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Credit Pull Consent & Authorization


By registering on the Platform as a borrower, you consent to Scratch Financial, Inc. (“Scratchpay”), WebBank, our partner bank that may extend credit to you (“originating bank”), and their respective agents and affiliated companies (together, “We,” “Our,” or “Us”) to obtain a credit report from one or more consumer credit reporting agencies. We may use the credit report for any purpose that would be authorized by applicable law in connection with a credit transaction involving you and involving the extension of credit to you or review or collection of your account, including but not limited to:

(i) for authentication purposes (i.e., to make sure you are who you say you are); (ii) for internal modeling and analysis purposes; (iii) to evaluate your credit profile in order to make credit decisions; (iv) to determine your debt-to-income ratio; (v) to obtain your credit score(s) and assign you a Scratchpay Risk Score based in part on that credit score(s); and (vi) to obtain and display information and characteristics from your credit report from one or more consumer credit reporting agencies.

You authorize us to verify information in your credit report, and you agree that Scratch Financial, Inc or WebBank may contact third parties to verify any such information. We will obtain your credit report each time you submit a loan request to us and at any other time that we deem it necessary in our sole discretion, including in connection with loan servicing or collection.

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Borrower Privacy Policy
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Electronic Communications Agreement (Borrowers)
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List of State Licenses for Scratch Financial Inc.
Payment Agreement for Scratch Plan Bi-Weekly, formerly Take 5 (US)- Retired
Scratch Payment Services Agreement
Interest Waived Offer (formerly known as Zero Interest Promotional Offer)
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As the leader in payment processing and financing for veterinary practices across the U.S. and Canada, we’re creating products and services that simplify and add delight to patient and practice experiences.

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Scratch Pay plans in the US are issued by WebBank, while in Canada, they are issued by ©Scratch Financial, Inc. ©Scratchpay (NMLS ID#: 1582666). Eligibility is required for these loan products, and Scratch Pay plans may not be available in all states.