Responsible Lending

Our Commitment

At Scratchpayfinancingcare.com, we are committed to responsible lending practices that protect both borrowers and lenders. We believe in transparency, fairness, and helping people make informed financial decisions.

Transparent Terms

We ensure that all payment plan terms are clearly communicated, including:

• Total amount to be repaid
• Interest rates and fees
• Payment schedule and due dates
• Consequences of missed payments
• Early repayment options

Affordability Assessment

Before approving any payment plan, lenders in our network assess your ability to repay. This includes reviewing your income, expenses, and existing financial obligations to ensure the payment plan is affordable for you.

Fair Treatment

We work with lenders who commit to:

• Non-discriminatory lending practices
• Clear and honest communication
• Respectful customer service
• Reasonable collection practices
• Flexible hardship options when needed

Financial Education

We encourage borrowers to understand their financial obligations and make informed decisions. Before accepting any payment plan, please ensure you:

• Understand all terms and conditions
• Can afford the monthly payments
• Have read the full loan agreement
• Know how to contact customer support
• Are aware of your rights as a borrower

Getting Help

If you're experiencing financial difficulty, please contact us immediately. We can work with you to find solutions and connect you with resources that may help.