Your Loans, Your Terms.

With EarnUp, you can split the single monthly payment on loans in two and schedule them to align with your pay dates. This includes your mortgage, auto, and student loans.

You can modify your payment schedule at any time to accommodate your circumstances.

As an added bonus, when you make more than one monthly payment, you pay off loans faster. And, if you’re paying off your mortgage using EarnUp, you build more equity faster.

Pay less interest.

Higher mortgage interest rate? No problem.

When you split your monthly mortgage payments in two, you can save tens of thousands in interest over the course of your mortgage loan.

In many cases, this enables you to pay off your mortgage almost eight years early and save 23% to 30% of total interest costs.

Plus, by setting up automated payments you’ll never miss a payment and avoid hefty penalty fees.

Getting started is easy.


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Pay your mortgage effortlessly with EarnUp

“I’m really seeing that extra little payment makes a difference in my balance. It’s going down a lot more quickly.”

– Jenna S, Indiana

  1. Savings and term reduction are net of fees and are calculated based on the expectation of additional payments made towards the loan principal over 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. Stretch Your Paycheck: Standard loan payment schedules deduct a monthly loan payment after one pay period and can leave the payee ‘cash-poor’ until the next pay period. EarnUp helps make paychecks last longer by automating deducting equal portions of a monthly loan amount from each paycheck, typically over the course of one month.