Set it. Forget it. Take Control.

The benefits of automating payments

Control and flexibility

>3 Million people have used EarnUp to pay their mortgage, auto, personal, and student loans faster, saving thousands in interest.

With EarnUp, you can schedule loan payment debits to sync with your paydays.

When you break your single monthly payments into two, three, or four smaller debits, you eliminate the payment shock that comes with a single large payment.

Pay loans on your schedule

Loan payments require one large monthly payment which can cause you to run out of money between paydays.

You can change that with EarnUp.

Using our platform, you schedule two, three or four smaller automated debits throughout the month.

We make sure the total due is paid on time.

Payday to Payday Loan Savings Calculator

Use this calculator to estimate interest fee savings and loan payoff acceleration.
There is no change to your current interest rate or loan terms.

The power of three builds equity

If you’re paid every other week, EarnUp’s Payday to Payday® program uses your three-paycheck months to your advantage.

By reserving equal portions of your mortgage payment each payday, you’ll automatically pay down the principal more quickly, and save¹ on interest.

Some months have three paydays

There are generally two months each year when you get three paychecks. How?  When you’re paid every other week, you receive 26 paychecks each year (52 weeks divided by 2 = 26).   

2023 three paycheck months
  • If your first paycheck is 1/6/2023, your three paycheck months are March and September
  • If your first paycheck is 1/13/2023, your three paycheck months are June and December

Worried about student loans?

Many people with student loans worry that the repayment freeze is lifting.

You can be proactive and establish an automated debit schedule that will ensure your loan is paid on time, avoid late fees, and potentially improve your credit score. If you’re unsure, we’re always just a phone call away.

You’re in control

If you need to sync debits to your monthly or semimonthly (1st & 15th) paydays, you can still accelerate loan pay off and save on interest. Just increase the amount of your scheduled debits.

Or, if you’re on a weekly or biweekly Payday to Payday® program, kick loan payoff and interest savings into high gear by increasing debit amounts.

Did something change this month? No problem. You can adjust your payment schedule at any time. Pause, edit, or reschedule payments to fit your life.

We’re on your side

EarnUp is more than an automated loan payment platform. We’re people who care about your financial health. We’re always here to help and available via phone or email.

“It’s nice to not have to save up. My wife gets paid biweekly, I get paid weekly, and it’s just easier to manage our mortgage this way.”

Adam S. Indiana

  1. 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.