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I am a current borrower and need help with my Funding U loan.

Contact Scratch Loan Servicing

Scratch Services is available during the hours of 9AM - 8PM Monday through Thursday and 9AM - 5PM Friday ET

How to reach Scratch:
Phone :
+1 (844) 727-2684.

Log in to your account at and use the chat bubble on the bottom right of the page!

Mailing address:

To send us a letter (not a check), please write to us at: P.O. BOX 411285, San Francisco, CA 94141-1285

Payment address:

To mail a check via USPS:

Scratch Services, LLC
PO Box 398654
San Francisco, CA 94139-8654
If you need to send us a check overnight or are using any carrier other than USPS, please send it to:

Lockbox Services Box #138654
Scratch Services, LLC
3440 Walnut Avenue, Bldg A, Window H
Fremont, CA 94538

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