All payments must be received by 7:30 pm ET on a business day to be effective the same day. Payments received after 7:30 pm ET will be effective the next business day. Business days do not include weekends and holidays.
We’re here to help! If you ever have a question about your account, please call us at (844) 727-2684* during our business hours: 9 am - 8 pm ET.
*not for New York borrowers
If you’d like to mail us a check, please send it via USPS to:
Scratch Services, LLC
PO BOX 888654
Los Angeles, CA 90088-8654
If you need to send us a check overnight or are using a carrier other than USPS, please send to:
Lockbox services - #0138654
SCRATCH SERVICES, LLC
3440 Flair Dr.
El Monte, CA 91731
Please make all checks out to Scratch Services, LLC and write your loan number in the memo field. Your loan number is listed on your loan statement. Note that any mail may take up to 5-7 business days to arrive and 2 business days to process. If there’s a processing delay, we’ll backdate the check to when it was received at the address.
For future reference, setting up Autopay can save you money and time. See how to set up Autopay here.