Fast track loans to Fast track dreams
We were founded on a mission to make it easy to get out of debt. So far, more than 3 million people have embraced our services!
Our commitment to simplifying the path to your financial goals drives us forward every day.
The basics
Now, it’s ridiculously easy to manage all your loan payments from one place.
Add as many loans as you like – including, Student, Auto, Personal, & Mortgage. Even if they are from different lenders.
Throughout the month, EarnUp debits your bank account for smaller increments of your total loan payment(s). Then, on the payment due date we make the entire payment on your behalf.
- Your current monthly loan payment is divided into 2, 3, 4, or 5 equal portions based on the auto debit schedule you choose.
- Your auto debits are processed prior to the payment due date. (e.g. to make the loan payment due July 1 debits will be processed prior to June 30.)
How to outsmart your loan debt
Use any combo of the two options below to fast track your loan payoff and save in interest fees.¹
Opt in for Acceleration
Use the extra weeks in the year
to pay extra money toward principal²
52 weekly debits equal to 1/4 of your monthly payment = the equivalent of one additional loan payment
26 bi-weekly debits equal to 1/2 of your monthly payment = the equivalent of one additional loan payment
Increase Debit Amounts
On demand update to individual debits
Increase your debit amount one time, every time, or every now & then – the choice is yours
You can use the extra topaid toward principal, which lowers your overall balance, fast tracks payoff, and saves in interest fees²
Why 13 is a lucky number
When you choose an Acceleration program your debits amount to one additional loan payment each year. Use the extra money to pay toward principal.²
² Interest 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.<
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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 In some circumstances, loans may require that outstanding items, such as escrow (for property taxes and insurance), late fees, or past-due payments, must be paid before funds can be applied to principal. These are determined based on the terms of your specific loan and are applied by your loan servicer.
³ Testimonials are individual experiences and results vary.
