Thank you for choosing Wisetack for your financing needs. We appreciate you as a customer.
Please make all loan repayments to Wisetack as of May 3, 2023.
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.
See when your next payment is due
View my activity
Add your bank information
Manage payment methods
Set up auto-pay to ensure you never miss a payment
Enable autopay
To pay by check, update your records with the new mailing address
Pay by check
Need more help? Reach out to our loan servicing team at (888) 711-5854 or payment@loans.wisetack.com.
Visit our help center for answers to our most frequently asked questions.
Your loan transfer date is 5/3/2023. As of this date, your loan is serviced by Wisetack, and you should make payments to Wisetack.
“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 is serviced directly by a Wisetack in-house 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.
Please refer to the emails you have received from us with details about your loan transfer. If you need additional assistance, please call (833) 927-0333.
No. Your existing loan terms (including your interest rate, payment due dates, and length of your loan) have been carried over to your Wisetack account.
Yes. You can continue to access your account on Scratch to view your payment history and past monthly statements. However, you are not able to make any payments on Scratch after the loan transfer date.
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.
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.
Your payment options are the same. You can pay online via your Wisetack account, over the phone by contacting (888) 711-5854, or via mail. To ensure you never miss a payment, you can enable auto-pay if it’s not already set up.
If you’ve been paying by ACH one-time payments, please add your bank information in your Wisetack account. To ensure you never miss a payment, you can enable auto-pay if it’s not already set up.
If you’ve been paying by check, we encourage you to set up auto-pay to ensure you never miss a payment. If you prefer to pay by check, make your next check payable to Wisetack, Inc. and send to:
Via USPS:
Wisetack, Inc.
Dept. 2554
PO Box 122554
Dallas, TX 75312-2554
Via Courier (FedEx, UPS, etc.):
Dallas Regional Lockbox
Wisetack, Inc.
892554
1501 North Plano Rd Ste 100
Richardson, TX 75081
Remember to include your name and loan ID on the check.
Yes. Please update your payee to the following:
Via USPS:
Wisetack, Inc.
Dept. 2554
PO Box 122554
Dallas, TX 75312-2554
Via Courier (FedEx, UPS, etc.):
Dallas Regional Lockbox
Wisetack, Inc.
892554
1501 North Plano Rd Ste 100
Richardson, TX 75081
Remember to include your name and loan ID on the check.
Please make payments to Wisetack as of your loan transfer date on 5/3/2023. For more information, check out our tips for getting started.
If you initiated the payment prior to your loan transfer date on 5/3/2023, then we will transfer the payment to your Wisetack account with the date you initiated the payment. If you initiated a payment in the last few days, we may still be working on transferring that to your account. Please contact (888) 711-5854 if you see any payments that are not reflected in your Wisetack account a week after your loan transfer date.
For your convenience, we uploaded 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.
Wisetack has made every effort possible to ensure a complete loan information transfer. Here are some ways you could verify the accuracy of the transfer:
Please contact servicingrequests@wisetack.com with details about your case, and we will reach out to discuss your individual situation and options.
To update your contact or payment information, please email payment@loans.wisetack.com. If you need to modify your loan, please email servicingrequests@wisetack.com with details about your case, and we will reach out to discuss your individual situation and options.
If you see any informational discrepancies in your Wisetack account after your loan transfer date, please contact (888) 711-5854 for assistance, and we will correct your loan information as soon as possible.
*Payment options through Wisetack are provided by our lending partners. Please see our Terms of Service and Privacy Policy.