For Businesses

LEARN MORE

RESOURCES FOR WISETACK BUSINESSES

Resources

Your hub for a quick start with Wisetack

Marketing Toolkit

Add Wisetack to your website and more

Marketplace

Order free Wisetack brochures, decals, and signs

Blog

Inspiration to accelerate your business

FAQs

Answers to common questions

For Consumers

How It Works

A better way to pay for
real-life services

FAQs

Answers to common questions

Talk to a person

Call or text 1 (833) 927-0333 or click to request a call

Make a payment

Click to pay or call 1 (888) 711-5854 for payment support

Our Company

About Us

We’re into things that just make sense

Press

Wisetack on the front page and award stage

Careers

Build financial products that do right by people

make a payment merchant login

Welcome to Wisetack
Loan Servicing

Thank you for choosing Wisetack for your financing needs.  We appreciate you as a customer.

In order to provide a better experience, we’re transitioning loan servicing from Scratch to a Wisetack in-house team.

This means you will now make your loan repayments to Wisetack as of 11/30/2022.

Don’t worry, the terms of your loan have not changed; just how you make payments. Rest assured, all payments made to Scratch have been recorded and will carry over to your Wisetack experience.

Your loan continues to have no hidden fees, no late fees, and there is no penalty for paying off your loan early.

Read the FAQs on this page for more details.

The new Wisetack Borrower Portal is available on 11/30/2022.
Check back on that date to sign in.

Until then, please continue to make your payments to Scratch.

Transition overview

What does a loan servicing transfer mean to me?

“Loan servicing” refers to the processing of your loan payments and support for you until the loan is paid off. Previously, your loan was serviced by Scratch. In order to provide a better customer experience, going forward your loan will be serviced directly by an in-house Wisetack team, on behalf of your lender, Hatch Bank.* Servicing transfers are a common practice, and we strive to make the transition experience as seamless as possible for you.

When is my loan transfer happening?

Your loan transfer date is 11/30/2022. As of this date, your loan will be serviced by Wisetack, and you will make payments to Wisetack.

What are the details of my loan transfer?

Over the course of the next few weeks, you will receive emails and letters from us with details about your upcoming loan transfer. If you need additional assistance, please contact (844) 727-2684.

Will my loan terms change?

No. Your existing loan terms (including your interest rate, payment due dates, and length of your loan) will be carried over when your loan is transferred to the Wisetack Borrower Portal.

Can I continue to access my loan account on Scratch?

Yes. You can continue to access your account on Scratch to view your payment history and past monthly statements. However, you will not be able to make any payments on Scratch after the loan transfer date.

Will the loan transfer affect my credit?

We will continue our credit bureau reporting of your payment history. Paying back on time could have a positive effect on your credit score while paying late could have a negative effect. It’s easy to set up automatic payments to ensure on time payments and help build a positive credit history.

I have multiple Wisetack loans. Why was only one or some of my loans transferred?

To ensure the best experience for you, we are gradually transferring all loans over the coming months. Stay tuned for updates and notifications about future loan transfers.

Payments

Who should I make my next payment to?

Please continue making payments as usual with Scratch until your official loan transfer date, after which you should start making payments to Wisetack. We will provide specific payment instructions then. If you would like to pay off your loan between now and the loan transfer date, please work with Scratch on the payoff instructions.

I just sent a payment to Scratch. What will happen to it?

Don't worry. We will transfer the payment to the new Wisetack Borrower Portal with the date you initiated the payment.

How will my payment history be transferred to the new Wisetack Borrower Portal?

For your convenience, we will upload your most recent monthly statements from Scratch, which you could reference for details about your recent payments. For a complete breakdown of your payment history, please log into your Scratch account.

General information

I have an ongoing issue with Scratch. How can I resolve the issue?

Please contact backoffice@wisetack.com with details about your case, and we will reach out to discuss your individual situation and options.

I need to update my contact information, or update my payment information, or modify my loan. How can I make these changes?

Please contact backoffice@wisetack.com with details about your case, and we will reach out to discuss your individual situation and options.

*Wisetack loans are made by Hatch Bank and are serviced in the name of and on behalf of Hatch Bank, a California industrial bank. Please see our Terms of Service and Privacy Policy.

For Businesses

Home Services Auto Repair Veterinary Medical Dental Resources Marketing Toolkit Marketplace Blog The Wisetack Way FAQs Help Center

For Consumers

How It Works FAQs Help Center Disputes

Our Company

About Wisetack Our Purpose and Values Press Press Kit Careers

Customer Support

support@wisetack.com

1 (833) 927-0333

Mon-Fri 9am-8pm ET

Sat 9am-6pm ET

Payment Support