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Estimates are based on a 12-month  Scratch Plan at a 32.9% APR. Actual terms may vary. No interest is charged if the loan’s principal balance is paid in full within 6 months.

*Scratch Pay plans are available in 12 to 36 month terms, range in approved loan amounts from $200 to $10,000, and with annual percentage rates (APR) ranging from 0% to 36%, with the lowest rates for borrowers with exceptional credit profiles. Monthly payment amounts on plan will depend on the term length, amount financed, and APR. For example, a 12-month payment plan for $10,000 with 5.99% APR would have 12 monthly payments of $860.62 for a total repayment amount of $10,327.44. Signing for a plan means the borrower agrees to make all payments in full and on the scheduled due dates. A borrower may incur late fees for partial or late payments that may result in higher interest charges and repayment schedule. To obtain financing, a $15 down payment is required. Autopay enrollment is optional for 12-month, 24-month, and 36-month plans. Refunds are given for unused plans.

**Interest Waived Offer (“Offer”) applies to eligible 12-, 18- or 36-month closed-end loans. Offer Requirements: (1) timely minimum monthly payments up until month six (6) of the loan; and (2) pay off the remaining loan balance in full on or before the end of the offer period (i.e. 6-month offer period for 12-month loans, 6-month offer period for the 18-month loans). Failure to comply with either of these preceding conditions will disqualify you from this Offer and you will be required to repay your Loan pursuant to the terms of your Loa (i.e. over a longer period of time). How To Redeem Offer: To redeem the Offer, you may contact 855-727-2395 or support@scratchpay.com or use the self-service full payoff feature in the user account which can be found here: https://account.scratchpay.com/login. How Does the Offer Work: For example, a $1,000 plan requires a $15 down payment due today and on time minimum monthly payments of $97.44. The remaining $985 will be financed over 12 months at 32.9% APR. To qualify for the interest waived offer, you must have fully repaid $1,000 within 6 months.