Ditch is helping members tackle over $100 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

"Just the app you need to focus on paying down your debt. I've tried a few and this is the one I've stuck with. I think it'll finally get me to hit my financial goals for this year!"

Jazz

App Store

"Ditch has been a great tool for the team, helping them chip away at debt with repayments each month. As an employer, Ditch is a great financial wellness benefit that uniquely addresses debt."

Marc

CEO, PitchGhost

"Ditch is a great addition for my team because it delivers unique value beyond the standard financial wellness- helping them tackle their student  and other loans. Debt is a big issue these days, and offering a benefit that addresses it helps me stand out as a hirer.”

Jack

CEO, Callbird

"Ditch has helped us deepen the relationship with our customers. Not only do we get to give our users a tool that serves a broader purpose, but we also have seen a dramatic improvement in our unit economics through reduction in delinquent debt.”

Mariano

CEO, Kiwi Credit

"When I first heard about Ditch, I knew it was a no-brainer for my team. Debt is a real struggle for my employees, and it affects their day-to-day. I’d been looking for something to help them address it- Ditch is that solution. It’s making a real impact by giving them an easy way to manage and pay off debt."

Chris

CEO, Sons of Pitches Atlanta

Financial stress, especially from debt, is a productivity killer and impacts morale. We weren't just looking for another box to tick in our benefits package; we wanted something with tangible impact. Ditch is exactly that. It gives our team a practical, easy way to tackle their debt head-on, month after month. Seeing the relief it provides and knowing we're offering a benefit that truly helps ease a major life stressor? That's a huge win for our team.

Ted

CEO, Sparky AI

"My favorite part is that I know exactly how to tackle paying down my debt, by how much and which debt. I also can see how extra payments would impact me in terms of pay-down timeline and the cost of interest. This app has made me feel more in control of my finances."

Jenn

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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individual
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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Ditch: Bridging the Gap Between Debt and Wealth-Building

Brandon Hall, a leading HCM industry analyst, evaluated and profiled Ditch's offering for employers.

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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.