Since our merit-based interest rates are based on your entire personal and financial profile, your exact interest rate is calculated after you submit an application. Remember that submitting an application will not impact your credit score. If we offer you a payment plan and you are not satisfied with the interest rate, you can easily decline our offer at zero cost and there will be no effect on your credit score. Please note, these interest rates apply only to Scratchpay’s Pay Over Time products (12 Equal Payments & 24 Equal Payments). Our Take 5 & Pay Later plans both have 0% APR, so no interest will ever be applied.