How It Works

1. Manage all your loans in one place

To get started, simply create an account and sync your loan account on the EarnUp platform. The program flexibly allows you to manage all your loans in one place including your mortgages, student loans, auto loans, credit cards, and personal loans.


2. Select your payment schedule

At EarnUp we budget for you so your loan payments are made on time. We break down your monthly loan expenses into bite-size withdrawals on the days you get paid. Stress less over budgeting; now on payday you can be sure that the money left in your account is truly yours to spend, with all your loan payments already budgeted for!


3. Optimize and save

That’s it! EarnUp handles the rest so you can get back to living life. We study your loans over time and alert you when we find personalized opportunities for you to save money and ways you can get out of debt faster. You remain 100% in control – manage all your accounts anytime at, by email, phone, or SMS.


4. How much does it cost?

The EarnUp program costs a simple $9.95 per month flat charge. You are able to put as many loans as you want on the program. Check out how much you can potentially save on your loans with our Savings Analysis Tool.