ScratchPay works with a network of payday lenders, and the specific lenders that you may be connected with can vary depending on a number of factors, including the state in which you live, the amount you want to borrow, and other eligibility criteria. Lenders send loan decision within one or few hours. Typically, our applicants spend a few minutes to fill out the details. Quick availability: The application process is quick. Fill out our online application, and we will do the rest of the work. No more hassle with going to a bank or in store lender. Our service is free: We take no fees for connecting you with lenders, so the application is free. Bad credit or no credit is not a problem anymore. No credit No problem: You don’t need perfect credit to get payday advance. Most lenders may do a soft pull of credit score that does not affect your rating. This loan finder site has a reputation for processing loan applications and decision from direct lender so quickly that they might as well be instant! Of course, borrowers must meet the eligibility criteria to apply for direct lender online payday loans instant approval.Īccept all credit types: The reason many people turn to payday loans is because they cannot qualify for a conventional loan because their credit score is damaged. Why to request with ScratchPay?įor the borrower looking for direct lender online payday loans instant approval, ScratchPay stands out as an excellent option. However, a direct lender will decide whether or not you can receive a maximum loan amount based on your personal information. ScratchPay strives to provide you with the maximum loan amount possible each time you apply for a loan with us. The amount that can be borrowed typically ranges from $200 to $5,000. The maximum amount that a borrower can borrow through ScratchPay’s payday loan service depends on a number of factors, including the borrower’s income, credit history, and the specific lender’s policies.

The service works by providing lenders with a steady stream of leads, and providing borrowers with a simple and convenient way to access the funds they need.

ScratchPay’s platform allows lenders to access a large pool of potential customers, and uses advanced algorithms to match lenders with the most suitable borrowers.

ScratchPay is a financial loans network that connects payday loan lenders with borrowers seeking short-term loans.

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