Outsmart Your Loans!

Whether you want to dig out of debt, minimize interest fees, or automate smarter budgeting, our automated loan payoff tool can guide you to the financial future you want.

Loan Repayment Platform on Laptop

DIY budgeting apps can't compete

Our automated loan payoff tool custom tailors a plan just for you, then puts your loan payments on autopilot.

And, EarnUp offers a Payday to Payday® option for the ultimate flexibility.  And, it’s all just $10 per month.♦

Concerned about Student Loan payments?

We can help you put those student loan payments on autopilot, and save thousands in interest.¹

¹Interest and loan term reduction are calculated based on the requirement of additional deductions and payments made towards the loan principal over the life of the loan.
The loan must be paid to completion with no defaults or payment errors on the account in order to realize the savings. Savings may vary based on your unique EarnUp Program.

Loan debt doesn't have
to rule your life

Join the >3 million people that have used EarnUp to outsmart the loan payments for their mortgage, auto, student, and personal loans.   

You can “set & forget” an auto debit schedule, and we handle the rest.♦

Savings Calculator

Use this calculator to estimate interest savings and loan payoff acceleration when using a bi-weekly schedule. Your actual savings will differ. 

Note: There is no change to interest rates or loan terms. This is not a debt consolidation tool.*

Getting started is easy

No long term commitment.  No strings attached. 

Enroll

Takes ~5 Minutes
(have info ready)

Add Loans

Mortgage, Auto, Student,
or Personal Loans ok!

Link Bank Account

Connection Secured
by Plaid

Set Schedule

Sync to Payday or
Other Schedule

Outsmart loan debt: Accelerate loan payoff

When you add optional Acceleration to your custom debit schedule, you can pay off your loan faster and pay less in interest.¹

¹Interest and loan term reduction are calculated based on the requirement of additional deductions and payments made towards the loan principal over the life of the loan. The loan must be paid to completion with no defaults or payment errors on the account in order to realize the savings. Savings may vary based on your unique EarnUp Program.

Check Google or BBB for feedback²

Insights, news & more

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What's New?

EarnUp Inc., a financial wellness fintech company, proudly celebrates ten years in business after tremendous growth and demand as more companies and financial institutions prioritize financial wellness.

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Disclosures

¹Interest and loan term reduction are calculated based on the requirement of additional deductions and payments made towards the loan principal over the life of the loan. The loan must be paid to completion with no defaults or payment errors on the account in order to realize the savings. Savings may vary based on your unique EarnUp Program.

² Testimonials are individual experiences and results vary.

♦  Loan Value must stay the same. Loan must be paid with no default or payment errors on the account. You must notify EarnUp of any changes to your Escrow payment.  Price is subject to change without warning.