Of course! If you find yourself ahead of the game, you can make additional payments at your convenience with no prepayment fees or penalties. Prepaying your loan will reduce future interest payments (for Scratchpay payment plans that include interest: Pay Over Time (12 Equal Payments & 24 Equal Payments) plans. To make an additional payment just call us at 855-727-2395. You can refer to our Terms of Service for details on how payments are applied to outstanding balances.