Pay Off Debt Without a Personal Loan
Forget personal loans and complicated debt plans. MyEarnUp makes paying off your loans simple and stress-free—aligned with your paycheck schedule to fit your budget.¹
- Avoid Extra Debt – We're Not a Lender
- Automated and Aligned Payments²
- Save on Interest with Acceleration²
¹ EarnUp is not a money transmitter and will not receive or hold your funds. Money transmission services are provided by partner financial institutions.
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.
Track and Manage Your Loans in One Place
Easily organize student loans, mortgages, auto loans, credit cards, and personal loans from multiple lenders in one convenient dashboard.
Flexible Payment Options That Fit Your Budget
Choose weekly, bi-weekly, or monthly plans to break down payments into manageable, automatic withdrawals.
Automated Repayments Made Simple
We collect smaller sums and make the full payment on your behalf to help you avoid missed due dates.¹
Save Money and Pay Off Debt Faster
Boost principal payments to fast-track your payoff and save on interest with our smart repayment system.²
No New Loans Required
We’re not a lender – no personal loans or balance transfers needed. Our tool offers a smart, automated way to manage your existing debt without adding more loans.
Affordable Fixed Monthly Rate
Enjoy the simplicity of a $15 monthly fee. No hidden charges, no surprises — just a straightforward, budget-friendly way to manage your loans and stay on track!
How It Works
- Connect Your Loans and Bank Account Securely link your loans and choose your payday schedule.
- Smaller Withdrawals Aligned with Your Paydays MyEarnUp automatically sets aside smaller, manageable amounts weekly or bi-weekly.¹
- Pay Down Debt Faster Effortlessly make one extra annual payment directly to the principal— helping you save on interest and reducing your debt term!
Small Changes, Big Savings
With the Acceleration feature, you can:
- Make an extra payment each year toward your principal.
- Pay less in interest over the life of your loan.²
- Take control of your financial future.
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.
Simplify Debt for Just $15/Month
- Automated Repayment: We help you avoid missed payments with automated withdrawals that align with your pay days.
- No Extra Loans: This is not a debt consolidation tool — just a better way to manage and optimize what you already have.
- Flexible: Adjust the amount going toward your principal at any time to save on interest.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.
Estimate Your Potential Savings in Seconds!
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.**
Start Paying Down Your Debt Today!
With MyEarnUp, there’s no need for personal loans or approvals. Start automating your loan payments, save on interest, and get out of debt faster—all for just $15/month.⁴
⁴ 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.
Disclosures
¹ EarnUp is not a money transmitter and will not receive or hold your funds. Money transmission services are provided by partner financial institutions.
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.
³ Testimonials are individual experiences and results vary.
⁴ 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.
*This analysis is an estimate only. This illustrative example demonstrates the reduction in mortgage payments and the interest saved by opting into biweekly accelerated payments. Interest and loan term reduction are net of EarnUp’s Program fees and 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.
This illustration has been simplified by 1) assuming a standard escrow value and 2) no change in the current monthly payment.
** Money transmission services provided by EarnUp partner financial institutions. The applicable EarnUp partner financial institution is the only entity authorized to initiate or execute payments and transfers on your behalf. At no time will EarnUp receive, control, or hold your funds.
***NOT A CREDIT REPAIR ORGANIZATION OR CONTRACT. EarnUp is not a credit repair organization, or similarly regulated organization under other applicable law and does not provide any form of credit repair advice or counseling. EarnUp is not a lender or provider of credit cards. EarnUp helps users to manage their debt, minimize interest fees, or automate smarter budgeting.
