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SCRASAVER

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.

Find your savings Read the complete guide
Issuer SCRA desks
56 verified
State add-ons
50 states
Plain-English guides
326
Cost to you
$0

The protections

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.

  • Military Money Moves

    The money plays beyond the rights: combat-zone tax, the SDP, choosing a military bank, deployment and PCS money, aid societies, and the timing moves that pay.

  • Defend Your Rights in Court

    Sued, served or facing eviction while you serve? Default-judgment shields, the 90-day stay, rights you can be tricked into waiving, how to make a lender pay.

  • The Military Lending Act (36% Cap)

    The SCRA covers debt from before you served. The Military Lending Act caps NEW credit taken out while you serve at a 36% MAPR and bans terms that target troops.

  • SCRA for Landlords, Lenders & Courts

    What a landlord, lender, servicer, collector or court must do under the SCRA: the military affidavit, the DMDC check, notices, deadlines, and the DOJ fines.

  • State-by-State SCRA Benefits

    Your state stacks its own protections on top of the federal SCRA: state-duty Guard coverage, longer rate caps, broader lease exits. What applies where you live.

The receipts

Checked against the source, on a date

Military blogs repeat SCRA rates and phone numbers no bank publishes. We fetch every issuer's own page, stamp what we find with the date we found it, and re-check monthly.

  • The SCRA department directory

    Every major issuer's SCRA desk: phone, fax, mailing address, portal. Call the right desk the first time.

  • The rate tracker

    What each bank's own page actually states, re-verified monthly, every change logged with a date.

  • The scorecard

    Banks say "two billing cycles." Servicemembers report what actually happened. Add yours.

The enforcement desk

What it costs to break this law

Every Justice Department SCRA action, transcribed from the DOJ record: 66 cases, who paid, how much, and for what. If your lender or landlord is on this list, read the order before you call them.

Browse the full enforcement ledger Landlord, lender or court? Start with the compliance desk

New to the SCRA

Start here

Look it up

By state, by company, by section

Fresh off the desk

Latest guides

Re-read against the source

Recently re-checked guides

Phone numbers, forms and lender rules change. These guides were updated or re-read against the lender's, court's or agency's own page most recently.

Beyond the federal floor

What your state adds on top of the federal SCRA

The SCRA is the federal floor. Most states stack their own protections on top: a state SCRA of their own, National Guard coverage on state active duty, longer rate caps, or broader lease exits. Find yours on the map, then open its page.

Browse the full state directory →

Washington: State SCRA / state-duty coverage Montana: State SCRA / state-duty coverage Maine: Some added protections North Dakota: Some added protections South Dakota: State SCRA / state-duty coverage Wyoming: State SCRA / state-duty coverage Wisconsin: State SCRA / state-duty coverage Idaho: State SCRA / state-duty coverage Vermont: Some added protections Minnesota: Some added protections Oregon: State SCRA / state-duty coverage New Hampshire: State SCRA / state-duty coverage Iowa: Some added protections Massachusetts: State SCRA / state-duty coverage Nebraska: Some added protections New York: State SCRA / state-duty coverage Pennsylvania: State SCRA / state-duty coverage Connecticut: State SCRA / state-duty coverage Rhode Island: State SCRA / state-duty coverage New Jersey: State SCRA / state-duty coverage Indiana: State SCRA / state-duty coverage Nevada: Some added protections Utah: Some added protections California: State SCRA / state-duty coverage Ohio: State SCRA / state-duty coverage Illinois: State SCRA / state-duty coverage District of Columbia: Not covered (no state page) Delaware: State SCRA / state-duty coverage West Virginia: State SCRA / state-duty coverage Maryland: Some added protections Colorado: State SCRA / state-duty coverage Kentucky: State SCRA / state-duty coverage Kansas: Some added protections Virginia: State SCRA / state-duty coverage Missouri: Some added protections Arizona: State SCRA / state-duty coverage Oklahoma: State SCRA / state-duty coverage North Carolina: State SCRA / state-duty coverage Tennessee: Federal SCRA baseline Texas: State SCRA / state-duty coverage New Mexico: State SCRA / state-duty coverage Alabama: State SCRA / state-duty coverage Mississippi: Some added protections Georgia: Some added protections South Carolina: State SCRA / state-duty coverage Arkansas: Some added protections Louisiana: State SCRA / state-duty coverage Florida: State SCRA / state-duty coverage Michigan: Some added protections
  • State SCRA / state-duty coverage (34)
  • Some added protections (15)
  • Federal SCRA baseline (1)
  • D.C. (no page)
Not shown on the map: Alaska Hawaii
  • Cited to the U.S. Code Every protection links to the statute
  • Written by a veteran Air Force vet, banking background
  • Tools that do the work Letter generator, deadline checker, rate-cap lookup

Read our editorial policy. General information, not legal or financial advice.

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