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SCRASAVER

SCRA Letter Generator

Pick the letter you need, fill in the blanks, then copy or download it. Each template cites the statute it runs on and ends with the paperwork to attach. Nothing you type here leaves your browser.

These are self-serve templates, not legal advice. Your installation Legal Assistance Office can review your letter and your facts for free before you send it.

Anatomy of the rate-cap letter
The six required parts of the SCRA 6% rate-cap letter The rate-cap letter, part by part. Everypiece mirrors 50 U.S.C. § 3937. 1 Name the account RE: SCRA 6% rate benefit,account ending #### The lender and the last four digits, inthe RE line. 2 Invoke the statute Under the SCRA, 50 U.S.C. § 3937, I amentitled to no more than 6% on this debt,incurred before military service. You are on active duty; § 3937 caps thispre-service debt at 6%. 3 Enclose proof This is my written notice. A copy of mymilitary orders is enclosed. A copy of your orders (a commandingofficer's letter works) plus a DMDCstatus certificate. 4 Spell out the fix As required, please:1. Cap at 6%, back to day one;2. Forgive the excess, do not defer it;3. Reduce my periodic payment. 6% retroactive to day one, the excessforgiven not deferred, and the paymentreduced. 5 No retaliation The SCRA bars any adverse actionfor invoking these rights. They cannot accelerate the loan orreport you negatively for asking. 6 List the enclosures Enclosures: copy of orders; DMDCcertificate (scra.dmdc.osd.mil). The paperwork the statute expects, atthe foot of the letter. Send it any time during service and upto 180 days after you separate.

Generate this letter, prefilled and statute-cited, with the SCRA letter generator. The excess above 6% is forgiven, not deferred, and the cap reaches back to your first day of active duty.

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How this works

    A written SCRA request you can send, with the statute cited correctly.
    
The arithmetic

    1. Takes your details, the lender, and the protection you are invoking.
    2. Assembles a letter that names the statute section, states your service dates, and asks for the specific relief.
    3. Runs entirely in your browser. Nothing you type is transmitted or stored.
      
The law behind this: 50 U.S.C. § 3937  
     Maximum rate of interest on debts incurred before military service:

read the statute
, or see 
where it sits in the whole Act .

     
    
What this does not account for

    • A template, not legal advice. Read it before you send it and change anything that does not match your situation.
    • Attach a copy of your military orders or a DMDC status certificate. A request without proof of dates is the most common reason one gets refused.
    • Send it so you can prove delivery, and keep the proof.
     
     Heads up: SCRA Saver publishes general information, not legal or financial advice.
  Laws change and every situation differs. Confirm details with your installation legal assistance
  office (free for service members) or a licensed professional.

     
     
     
     
     
    
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