Take 5 Plan
Bi-weekly payments
5 payments over ~6 weeks
- 20% down payment required
- 4 remaining payments every 2 weeks
- Quick payoff option
- No interest charges
Scratch Pay Payment Plans
Choose the plan that works best for your budget. Transparent terms with no hidden fees.
Interest Waived
0% APR
If paid within 6 months
- Only $15 down payment
- 12 or 18 month terms available
- Interest waived if paid in 6 months
- Most popular option
Extended Plans
0-36% APR
12, 18, 24, or 36 months
- Lower monthly payments
- Rates based on credit profile
- No prepayment penalties
- Up to $10,000 financing
Compare All Plans
See all plan details at a glance to find the best option for your situation.
| Feature | Take 5 Plan | Interest Waived | Extended Plans |
|---|---|---|---|
| Best For | Quick payoff | Most borrowers | Lower payments |
| Down Payment | 20% | $15 only | $15 only |
| APR | 0% | 0% if paid in 6 mo | 0-36% |
| Term Length | ~6 weeks | 12-18 months | 12-36 months |
| Payment Frequency | Bi-weekly | Monthly | Monthly |
| Loan Amount | $200-$3,000 | $200-$10,000 | $200-$10,000 |
| Prepayment Penalty | None | None | None |
Sample Monthly Payments
See estimated monthly payments for common loan amounts.
$1,000 Loan
12 months at 9.99% APR
$88/mo
Total: $1,055
$3,000 Loan
18 months at 9.99% APR
$182/mo
Total: $3,276
$5,000 Loan
24 months at 9.99% APR
$230/mo
Total: $5,520
*These are estimates only. Your actual rate and payment will depend on your credit profile. Rates range from 0% to 36% APR.
Important Plan Details
Everything you need to know before choosing a plan.
💡 Interest Waived Explained
The "Interest Waived" plan means if you pay off your entire balance within 6 months, you pay $0 in interest. If you don't pay in full within 6 months, interest will be charged from the original purchase date at your approved APR.
📊 How Rates Are Determined
Your APR is based on your credit profile, income, and other factors. Better credit typically means lower rates. The rate you see when you apply is the rate you'll get — no surprises.
💳 Fees & Charges
- No application fees
- No prepayment penalties
- No hidden charges
- Late fee: Up to $15 per missed payment
🔄 Multiple Loans
Yes, you can have multiple Scratch Pay loans at the same time. Each application is evaluated separately based on your current financial situation and existing obligations.
Find Your Perfect Plan
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