Identify the offer before calculating it
Scratch Pay: check the terms first
Scratch Pay describes installment plans and explicitly distinguishes them from deferred-interest products. Review the Truth in Lending disclosure for the specific plan rather than applying credit-card assumptions.
Official source: Scratch Pay consumer product terms · Reviewed July 31, 2026. Verify the current offer with the issuer's official agreement.
Different calculation
Do not run an installment loan through the deferred-interest calculator
Use the APR, payment count, finance charge, amount financed, and total of payments in the Truth in Lending disclosure. A dedicated installment comparison is being held back until it can reproduce those terms accurately.
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