We saw our families struggle with bills

That’s why we started EarnUp

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EarnUp founders

Our story

We created EarnUp because we saw financial worries take a toll on our parents. They scraped and saved, sometimes missed payments and struggled to get by.

EarnUp is a consumer-first payment platform. We designed it to help achieve a goal to provide Americans with the financial tools to easily manage their money and improve financial well being.

Our Mission: Enable millions of Americans to easily manage their money and improve their financial wellbeing.

Meet the founders

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Menu picture of Nadim


Matthew enjoys making beautiful things that work. His specialty is designing products that make complex financial decisions incredibly easy to understand. The son of a minister and a teacher, he finished college with more than $20K in student loan debt fueling his longtime passion for helping underserved communities.

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The time is right for financial products to do better

Housing, healthcare and education are becoming less affordable. Americans are paying too much in interest and losing access to credit when they need it most.

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35% of late payments are avoidable²

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Credit card late fees cost Americans $3B each year²

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I like that it comes out every two weeks, it’s aligned with my pay schedule. That takes care of my mortgage and I know that the money left is just for personal expenses.

Katie, Washington D.C.

Our big idea is catching on

We’re serving more people, and partnering with more organizations than ever.

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¹ Savings and term reduction are net of fees and are calculated based off the expectation of additional payments made towards the loan principal over the full the life of the loan. The loan must be paid to completion in order to realize the savings. Savings may vary based on your unique EarnUp Program.

² Source: www.businessinsider.com, August 5, 2019