Contact us

Our hours

Monday - Thursday: 9:00am - 8:00pm ET

Friday: 9:00am - 5:00pm ET

Email

To email us, please use our online Contact us form.

Chat

You can use the chat bubble within your account during our support hours.

Phone

(844) 727-2684*

* not for New York borrowers

Mailing address

To send us a letter (not a check), please write to us at: 

P.O. BOX 411285

San Francisco, CA 94141-1285 

Payment address

To mail a check via USPS:

Scratch Services, LLC

PO Box 398654

San Francisco, CA 94139-8654

If you're overnighting a check or if you're using UPS, DHL, or a carrier other than USPS, please send it to:

Lockbox Services Box #138654

Scratch Services, LLC

3440 Walnut Avenue, Bldg A, Window H

Fremont, CA 94538

For written correspondence sent via email or snail mail, please include your name and account number so we can identify your account. If you believe your account is in error, or if you are requesting specific information (such as a payment history or your promissory note), please include as much information as you can as to why you believe the account is in error or what information you would like. Providing more information will enable us to respond to your request as quickly as possible.

Scratch observes the following holidays:

• January 1 - New Year’s Day 
• January 15 - MLK Day
• February 19 - Presidents’ Day
• May 28 - Memorial Day
• June 19- Juneteenth
• July 4 - Independence Day
• September 3 - Labor Day
• November 12 - Veterans Day 
• November 22 - Thanksgiving Day
• November 23 - Day after Thanksgiving
• December 24 - Christmas Eve (limited hours 10am - 3pm ET)
• December 25 - Christmas Day