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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.

Visit the Borrower Portal to see loan details, pay your loan, or set up auto-pay.

Tips for getting started

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

Visit our help center for answers to our most frequently asked questions.

Need more help? Reach out to our loan servicing team at (888) 711-5854 or payment@loans.wisetack.com.

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 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.

When is my loan transfer happening?

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

What are the details of my loan transfer?

Please refer to the emails and letters you have received from us with details about your loan transfer. If you need additional assistance, please contact (833) 927-0333.

Have my loan terms changed?

No. Your existing loan terms (including your interest rate, payment due dates, and length of your loan) have been carried over 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 are not 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

What are my payment options in the new Wisetack Borrower Portal?

Your payment options are the same. You can pay online via the Wisetack Borrower Portal, 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.

I have automatic payments set up. How do I continue making payments by auto-pay after my loan transfer?

If you’ve been paying electronically by auto-pay, no action is needed. Your auto-pay should have transferred automatically.

I make my payments by ACH bank transfer. How do I continue making payments by ACH after my loan transfer?

If you’ve been paying by ACH one-time payments, please add your bank information in the new Wisetack Borrower Portal. To ensure you never miss a payment, you can enable auto-pay if it’s not already set up.

I make my payments by check. How do I continue making payments by check after my loan transfer?

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.

I use online bill pay to make payments by check. Do I need to change this?

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.

Who should I make my next payment to?

Please make payments to Wisetack as of your loan transfer date on 11/30/2022. For more information, check out our tips for getting started.

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

If you initiated the payment prior to your loan transfer date on 11/30/2022, then we should have transferred the payment to the new Wisetack Borrower Portal with the date you initiated the payment. Please contact (888) 711-5854 if you see any payments that are not reflected in the Wisetack Borrower Portal following your loan transfer date.

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

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:

Check your pay-off amount‍
Check the number of remaining payments
Check the due dates for upcoming payments

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.

I see inaccurate information in the new Wisetack Borrower Portal. How do I correct it?

If you see any informational discrepancies in the Wisetack Borrower Portal after your loan transfer date, please contact (888) 711-5854 for assistance, and we will correct your loan information as soon as possible.

*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.

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