State Licensing Information
ScratchPay works with licensed lenders across all 50 states.
Important Notice
ScratchPay is not a direct lender. We connect consumers with participating licensed lenders. Each lender is responsible for maintaining all required state licenses and compliance with applicable laws.
Our Role as a Lead Generator
ScratchPay operates as a lead generator and advertising service. We:
- Connect consumers with participating lenders and lending partners
- Do NOT make lending decisions or fund loans directly
- Do NOT require state lending licenses for our advertising services
- Only work with lenders who are properly licensed in their operating states
The lenders in our network are independently owned and operated. Each lender maintains its own licensing and compliance programs.
Our Lending Partners
All lenders in our network are required to:
- Hold valid state licenses where required
- Comply with state and federal lending laws
- Follow fair lending practices
- Maintain proper bonding and insurance where required
- Undergo regular compliance audits
We regularly verify that our lending partners maintain proper licensing and compliance status.
State-Specific Information
States Where Loans Are Available
Our lending partners operate in all 50 states and the District of Columbia, subject to state-specific regulations.
States with Additional Regulations
- California: California Financing Law License
- Illinois: Illinois Consumer Installment Loan Act
- New York: NY Department of Financial Services
- North Carolina: NC Commissioner of Banks
- Ohio: Ohio Laws and Regulations
- Texas: Texas Office of Consumer Credit Commissioner
- Florida: Florida Office of Financial Regulation
- Pennsylvania: PA Department of Banking
Tribal Lending Notice
Some lenders in our network may be tribal lenders owned by federally-recognized Indian tribes. These lenders may:
- Operate under tribal law and applicable federal law
- Be exempt from certain state licensing requirements
- Offer loans in states where other lenders may not operate
Please review your loan agreement carefully for specific lender information and applicable law.
NMLS Consumer Access
The Nationwide Multistate Licensing System (NMLS) is a system for state licensing of mortgage lenders and other financial services companies.
You can verify lender licenses through NMLS Consumer Access:
For specific lender NMLS IDs, please refer to your loan agreement or contact the lender directly.
Consumer Resources
If you have questions about a lender's licensing or believe a lender is operating without proper licenses, you can contact:
- Your State's Banking Department: For state-specific lending regulations and complaints
- Consumer Financial Protection Bureau (CFPB): 1-855-411-2372 or www.consumerfinance.gov
- Federal Trade Commission (FTC): 1-877-FTC-HELP or www.ftc.gov
- Better Business Bureau (BBB): www.bbb.org
Licensing Questions?
For questions about our lending partners' licensing or to report a concern:
Email: support@scratchpaywellpet.com
Website: www.scratchpaywellpet.com
This page is updated regularly. State licensing information may change. Please verify directly with lenders for the most current licensing status.