Ditch for financial institutions
A better way to service your borrowers
Ditch makes it easy for borrowers to repay their loans with automated round-ups of everyday purchases, giving you a frictionless alternative to recover past-due balances and maintain strong relationships.
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The value for you
Ditch provides a powerful alternative to recover more debt at reduced cost.
30%
Reduction in delinquency rates across all borrowers
$3k+
Extra principal recovered each year per borrower
20%
Reduction in overall servicing costs
How we help
Recover more loan repayments
Payoffs makes it easy for your borrowers to re-engage with their repayments through a frictionless and empowering experience.
With Payoffs, borrowers will automatically repay their debt with round-ups of their everyday purchases, helping you recover more at reduced cost.
Enhance borrower value and loyalty
Ditch's AI-powered features give you the tools to offer personalized financial guidance and education to your borrowers, plus an AI financial assistant to help them improve financial behavior and drive long-term loyalty.
Increase meaningful engagement
Ditch's powerful behavioral nudging engine engages your borrowers with personalized, multi-channel messaging and offers of your choosing, helping to keep you top-of-mind.
As operators with experience in consumer lending, we understand how impactful delinquencies can be to your balance sheet.
With Ditch, you can add a pre-collection step before charge off that helps get your borrowers current so you can improve portfolio health.
Debt types covered
Institutions covered
It's easy to get started
Step 1. Borrowers quickly onboard and link their accounts
Step 2. They configure payoffs and start paying down debt
Step 3. You effortlessly recover more as your borrowers spend
Pricing
Our pricing is success-based... we make money when you see results! Contact us today to learn more and get your quote.
Ditch Core
Ditch's flagship Payoffs solution for servicing and engagement.
Payoffs: enhanced debt recovery
Customer activation campaigns
Monthly debt recovery reports
Ditch Complete
Ditch's full-suite solution for servicing, engagement, and comprehensive wellness tools.
Payoffs: enhanced debt recovery
Customer activation campaigns
Monthly debt recovery reports
AI-powered financial concierge
Gamified financial learning modules
Enhanced spend tracking and budgeting
The Payoffs Impact
Ditch will work on your behalf to engage your borrowers and catalyze repayment with Payoffs. See the impact for yourself:
Case Studies
Don't just take our word for it - see what our partners have to say about us.
"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"