Scratch

People take on debt to get ahead, not fall behind – but every borrower’s journey has ups, downs, and surprises. We’re here to guide borrowers through every step of their journey.
 

Scratch is reimagining loan servicing to help borrowers understand, manage, and pay back their loans. With the Scratch platform, borrowers have visibility and control over their debt in just a few clicks. Borrowers turn to Scratch’s team of Loan Guides for empathetic problem solving and personalized guidance on how to fit their loans into their lives.
 

Lenders partner with Scratch as their loan servicer to grow their businesses in innovative ways. Scratch can service any asset class – including private student loans, personal loans, mortgages, and small business loans – with any custom feature to meet borrowers’ needs.
 

This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.
 

*not for use by New York residential mortgage borrowers