Submit one simple request and review options that fit your situation. Available to all credit backgrounds.
No credit score impact to check
No impact on credit score to check
A simple three-step process to see what options may be available to you.
Tell us the amount you need and your ZIP code. It takes just a couple of minutes.
Your request is reviewed and you may be connected with options that match your needs.
Compare the details and terms presented to you, then decide what works best for you.
Answers to common questions about using ScratchOptions.
No. ScratchOptions is not a lender and does not make credit decisions. We help connect your request with options that may be available to you.
Submitting a request to check your options through our form does not impact your credit score.
You can request Skratchpay funding options ranging from $500 to $5,000, depending on your individual situation and what may be available to you.
Yes. Requests are open to all credit backgrounds. Available options will depend on the details you provide and other factors.
Submitting your request only takes a couple of minutes. After that, you can review any options presented to you at your own pace.