Stretch your paycheck

EarnUp deducts a portion of your loan payment from each paycheck, not just one—helping ease up your monthly cash flow and stop the PAYDAY TO PAYDAY® cycle.

EarnUp makes it easier to stay on top of your loan payments

When you miss a loan payment, you get hit with late fees and the penalties. EarnUp makes your payments so you can reduce late fees.

The smart way to
pay off your loans

EarnUp sets money aside every month so you don’t have to. Sign up now and start paying your loans off the smart way.

How it works


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Complete the form to get started.


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about your loan and lender.
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“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


Pay your bills, effortlessly with EarnUp.

  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.