# Scratchpay (scratchpay.com)

Is scratchpay.com legit and trustworthy? Truth score 79 out of 100, high truth signals: 7 of 10 public checks clear, 1 not found, 2 for information. Legitimacy confidence: high. Customer satisfaction: mostly satisfied.

- Truth score: 79 out of 100
- Legitimacy confidence: high
- Customer satisfaction: mostly satisfied, from Trustpilot 4 · 2,099 reviews; average 4.0
- Claimed: no
- Assessed: 2026-10-24

## Business details

- Category: Buy now pay later
- Sells: Services
- Sells to: The public and businesses
- Kind of seller: Sells its own goods or services
- Licensed trade: Financial services or credit
- Domain age: 13 years
- Address: 225 S. Lake Avenue, Suite 250, Pasadena, CA 91101
- Email address: support@scratchpay.com
- Phone number: +1 855-727-2395
- Contact page: https://scratchpay.com/contact
- Website: https://scratchpay.com/
- Social media: Facebook https://www.facebook.com/ScratchFinancial, Instagram https://www.instagram.com/scratch_financial, X https://x.com/scratchpay, LinkedIn https://www.linkedin.com/company/scratchfinancial

## Summary

scratchpay.com's website address was registered 13 years ago, and is locked against transfer to someone else. It is on 4 social media platforms (Facebook, Instagram, LinkedIn and X), with its largest audience of 3,299 followers on Facebook. Customers have left 2,099 reviews on Trustpilot, averaging 4.0 stars out of 5. No malware or phishing warnings found for its website. We could not find an archive history for its website.

Important context: Truth Signal weighs public evidence about this business. A high score means strong evidence that the business is established and legitimate, not a promise that it is safe to buy from or that every purchase will go well. A low score means the evidence is thin or raises concerns, not that the business is unsafe or a scam.

## Positives

- Its website address was registered 13 years ago (source: rdap)
- It is on 4 social media platforms (Facebook, Instagram, LinkedIn and X); the largest audience is 3,299 followers on Facebook (source: social)
- Great independent reputation: 2,099 reviews on Trustpilot, rated 4.0 stars out of 5 (source: reviews)
- No malware or phishing warnings found for its website (source: safe_browsing)

## Not found

- Web history and authority information was not found from our checks. (source: wayback)

## How to check if scratchpay.com is legit

To check if scratchpay.com is legit yourself, look at the same public records we did: the company register, who owns the web address and since when, customer reviews, visitor numbers, how long the site has existed, social profiles, malware lists, data breaches and email security. Each row below shows what that record says about scratchpay.com; open a row to see the facts and the source to check them yourself. Step by step: [how to know if a shopping site is legit](/guides/how-to-know-if-a-shopping-site-is-legit).

- Who they are: Company details: Based in the US; serves the US (For information)
- Who they are: Domain registration: Its website address was registered 13 years ago (Clear)
- Who they are: Website details: We read 4 of its pages: contact, about, terms and privacy (Clear). Pages found: contact (https://scratchpay.com/contact), about (https://scratchpay.com/practices/about-scratchpay), terms (https://scratchpay.com/legal), privacy (https://scratchpay.com/legal/privacy)
- Reputation and track record: Customer reviews: Rated 4.0 stars out of 5 from 2,099 reviews on Trustpilot (Clear)
- Reputation and track record: Visitor traffic: Real people visited its website in 24 of the last 24 months (For information)
- Reputation and track record: Web history and authority: nothing known (Not found)
- Reputation and track record: Social presence: It is on 4 social media platforms (Facebook, Instagram, LinkedIn and X); the largest audience is 3,299 followers on Facebook (Clear)
- Safety: Malware and phishing: No malware or phishing warnings found for its website (Clear). This check is not perfect: it can miss a harmful site, and it can wrongly warn about a safe one.
- Safety: Data breach history: No known data breach involving the company (Clear)
- Safety: Domain and email security: Its email is protected: mail forged in its name is blocked (Clear)

## What its pages say

Quoted word for word from scratchpay.com's own pages.

- In their own words: “The Scratch story began with a lesson in limited options available to pet owners facing an unexpected vet bill. An abandoned kitten inspired a next-generation lending platform. When one of our founders rescued an abandoned kitten from a Los Angeles dumpster, he and his wife were immediately faced with the hefty cost of unplanned veterinary bills.” (https://scratchpay.com/practices/about-scratchpay)

## Cite

Truth Signal, Scratchpay: truth score 79 out of 100, legitimacy confidence High, assessed 2026-10-24, https://truthsignal.com/business/scratchpay.com. Licence CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/). The same report as JSON: send Accept: application/json to https://truthsignal.com/business/scratchpay.com