Ditch is helping members tackle over $1 million in debt

Pay down

Effortless Pay down Debt

Get out of debt faster and save on interest with automated Payoffs that help you send spare change from everyday purchases to your debt.

Habits

Build Balanced Habits

Simple budgeting and actionable insights help you build healthy spending habits that work with your lifestyle.

Debt

Achieve Your Debt Goals

Stay on track with a consolidated view of your loans and personalized debt insights, so you can conquer your goals and get back to living.

Customer Stories

"Simple yet effective! - I just started using ditch to pay off my remaining consumer debt and am so impressed with the UI! I’m 28, live in Wisconsin, and am an engineer and am working on a goal of becoming debt free before 30. I was pleasantly surprised at how easy it was to set up payoffs and pick which multiplier I wanted to use. It’s so cool how Ditch looks at your prior spending to estimate what extra payment you’ll be making based on which multiplier you select! I also appreciate how Ditch compares my debt amount to the national average. It helps gauge where I’m at vs. where I’m supposed to be. I’ve really enjoyed Ditch so far and am excited to continue to use it in 2025."

Libbie

App Store

"The best debt sidekick! - Ditch helps you understand your total debt position, shows you the best way to pay it off, and makes it super easy to pay off debt faster with set-and-forget roundups for extra payments to your debt. The amount I’ve saved on my high-interest debt far outweighs what Ditch charges, and I love that I don’t have to think or worry about it because Ditch automatically makes payments and checks to make sure my account has sufficient funds. No-brainer for anyone struggling with debt who wants a shortcut to debt freedom!"

Katie

App Store

"I have been on the search for a functioning finance/budgeting app that can help me get ahold of my debt, weekly spending, and help me stay on top of all the credit cards I own. This app is a total game changer! Thank you for providing me with an app I ABSOLUTELY NEEDED!"

Torrence

App Store

Debt is a ‘we’ problem

10%

of the average Americans’ lifetime income is spent servicing debt interest

86%

of employees say financial stress affects confidence and productivity at work

35%

increase in consumer loan delinquencies since 2021, jeopardizing portfolio health

Ditch Makes Debt Freedom a Group Effort

FOR INDIVIDUALS

Power up with Community

You don’t have to face the stress of debt alone. Ditch brings the power of community to tackling debt, with a mobile companion and powerful peer-to-peer support to help you on your journey to financial freedom.

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FOR EMPLOYERS

Boost Employee Well-being

Debt is the biggest financial stressor for your workforce. With Ditch, you can seamlessly contribute to employees’ loans and provide a powerful financial companion to help your team lay the foundations for long-term wealth.

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wellness tracker
FOR INSTITUTIONS

Maximize Loan Repayments

At-risk borrowers often struggle to stay current. With Ditch, lenders can provide a frictionless and empowering alternative for repayment that drives portfolio performance and  long-term loyalty.

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repayments

In the News

The Power of Empathy with Luis Andino | Growthwell with Josh Byrd

Hear from Luis Andino, the Founder & CEO of Ditch, in an interview with Josh Byrd for the GrowthWell podcast.

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Fintech South 2024: Luis Andino with Ditch | Business RadioX® Network

Hear from Luis Andino, the Founder & CEO of Ditch, in a radio interview at the Fintech South 2024 conference.

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Empower Financial Well-being with Ditch

Download the app today or book a call with our sales team to find out how Ditch can help you meet your goals.