Know the law. Keep your money.

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

  Beyond the rights, the money plays that maximize your benefits: combat-zone tax, the SDP, choosing a military bank, deployment and PCS money, aid societies, and the timing moves generic guides never cover.

• Defend Your Rights in Court

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

• The Military Lending Act (36% Cap)

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

• 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.

New to the SCRA

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: How It Works, How to File

  Every debt from before active duty caps at 6% APR: the excess is forgiven, not deferred, and it is retroactive to day one. One letter plus your orders does it.

• 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.

Fresh off the desk

Latest guides

• SCRA Phone Numbers: Every Major Bank's Department, Verified

  Every major bank's SCRA department phone number, fax, and mailing address in one directory, checked against each issuer's own page. Call the right desk.

  File once, with the right desk

• Your Business Loan Caps at 6% Too, If Your Name Is On It

  The SCRA has no consumer-only limit. A business loan you are personally liable for, signed before active duty, caps at 6%. Personal liability is the hinge.

  On a $150k business note: often $4,000 to $9,000/yr

• Which Lender to Owe When You Go On Active Duty

  Four issuers publish a rate below the 6% SCRA floor. But which account you carry across your start date matters more than the rate does. The playbook.

  Often $400 to $1,200/yr on the same debt

• Refinance Before the Line, Never After: The SCRA Timing Rule

  Refinancing during service creates a new loan with no SCRA cap at all. Done before your start date, the same move caps everything at 6%. Where the line falls.

  Consolidating 24% cards to a capped loan: $2,000 to $4,000/yr

• What the 6% Cap Actually Covers on a Card or Credit Line

  By statute the SCRA caps only your pre-service balance, not new charges. Most issuers cap the whole account anyway. And HELOC draws are genuinely unsettled.

  The account-vs-balance gap: often worth more than the rate

• Do Not Prepay a 6% Loan While the SDP Pays You 10%

  The SCRA caps your debt at 6%. The Savings Deposit Program pays a guaranteed 10%. Prepaying only wins above a 40% tax rate. The deployment payoff order.

  The full SDP slot: a few hundred to about $800 per deployment

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 →