Interest Waived Offer: No Interest if Loan is Paid in Full within 6 Months

The Interest Waived Offer ("Offer") requires you to timely make the minimum monthly payments (made up of interest and principal) until the full loan amount borrowed is repaid. Please review the Loan Agreement (inclusive of the Truth in Lending Act disclosure) you received at the time you obtained the Loan for further information and requirements about the Offer.

To be eligible for the Offer, you must: (i) make the minimum monthly payments (which is made up of interest and principal), in full and on time, for the first 6 months; and (ii) the Loan’s principal balance must be fully paid off no later than month 6 (i.e., the “Offer Period”). Any interest you have paid through the first six (6) monthly payments made are credited towards that payoff amount of the Loan. As such, at the end of the Offer Period (i.e., month 6), you will have effectively paid $0 in interest. Failure to comply with either of the aforementioned conditions will disqualify you from the Offer and you will be required to repay your Loan pursuant to the terms of your Loan.

NOTE - There is no prohibition or prepayment penalty if you decide to fully repay the Loan (in its entirety) prior to month 6 (i.e., Offer Period).

To redeem the Offer during the Offer Period, you may either use the “full payoff” feature in your user/borrower portal, or you may contact Scratchpay at 855-727-2395.

You are not obligated to redeem the Offer during the Offer Period. If you decide you do not want to pay off the Loan at - or prior to - month 6, that is not a problem. You will continue to make your regular monthly payments until the Loan is paid off at month 12 or 18 (i.e., as set forth in your Loan Agreement). By not redeeming the Offer during the Offer Period, you will not be able to take advantage of the Interest Waived Offer.

Questions. If you have any questions about the Interest Waived Offer you may call Scratchpay at 855-727-2395 or by emailing us at [email protected]