The Servicemembers Civil Relief Act, in plain English
Know the law. Keep your money.
Federal law caps your pre-service debt at 6% APR, breaks leases when orders move you, and shields your home and car. Most service members never claim a dollar of it. Claiming takes one letter.
Where your money is hiding
- The 6% Interest Rate Cap
Cut every pre-service debt — credit cards, auto loans, mortgages, student loans — to 6% APR and claim refunds.
- Break Leases & Contracts Penalty-Free
End apartment leases, auto leases, and phone contracts without fees when orders move you.
- Protect Your Home & Car
Foreclosure and repossession protections that keep your biggest assets safe during service.
- Eligibility & Timing
Who qualifies, what paperwork proves it, and exactly when protections start and stop.
Start here
- What Is the SCRA? The Military Law Worth Thousands a Year
The Servicemembers Civil Relief Act caps your pre-service debt at 6%, breaks leases penalty-free, and blocks foreclosure. Here is what it is worth.
- The SCRA 6% Interest Rate Cap: Complete Guide
How to cut every pre-service debt to 6% APR with one letter — credit cards, auto loans, mortgages, student loans — retroactive to day one of active duty.
- SCRA Eligibility: Who Qualifies, When It Starts & Ends
Active duty, Guard, Reserve, spouses — who gets SCRA protections, what paperwork proves it, and the exact windows for each benefit.
Latest guides
- Break Your Apartment Lease with Military Orders (SCRA)
PCS or deployment orders of 90+ days let you end a residential lease penalty-free under the SCRA — often saving thousands. Exact steps and timing.
💰 Avg. savings: $3,000–$10,000
- Navy Federal SCRA Benefits: How to Apply (4% Rate Cap)
Navy Federal voluntarily caps eligible pre-service debt at 4% — beating the SCRA's 6%. Here is how to submit your request and what to expect.
💰 Extra 2% below the legal cap
- SCRA Auto Loan Rate Cap: Drop Your Car Payment to 6% APR
A pre-service auto loan must drop to 6% APR under the SCRA, cutting the typical payment by $80–$100 a month. Here is the letter-and-orders process.
💰 Avg. savings: $1,100/yr
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- SCRA Credit Card Benefits: Cut Your Card to 6% (or Lower)
Pre-service credit cards must drop to 6% APR under the SCRA — and major issuers voluntarily go to 4% or 0% with waived fees. How to claim it.
💰 Avg. savings: $1,350/yr
- SCRA Eligibility: Who Qualifies, When It Starts & Ends
Active duty, Guard, Reserve, spouses — who gets SCRA protections, what paperwork proves it, and the exact windows for each benefit.
- SCRA Foreclosure & Repossession Protection: Keep Your Home & Car
No foreclosure on a pre-service mortgage and no car repossession without a court order — during service and beyond. What the SCRA blocks and how to use it.
💰 Protects your two biggest assets
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