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What is Ditch?

Ditch helps you repay your debt smarter and faster by automating debt payments using round-ups from everyday purchases. Our mobile app also offers personalized insights with our AI assistant, and helps you stay on track with intuitive spend tracking and recommendations, debt dashboards, and gamified financial education. It's your all-in-one debt companion!

What kind of value can I expect from Ditch?

On average, Ditch users eliminate debt 3+ years faster and save thousands in interest. Our app helps you stay consistent, make smarter payments, and reduce financial stress — all in one easy-to-use experience.

How do I get started?

Just download the Ditch app, securely connect your accounts, and set up your debt payoffs. It all takes just a few minutes!

Is my data safe with Ditch?

Yes. Ditch uses bank-level encryption and partners with trusted data providers to ensure your information is secure. We never sell your data, and you’re always in control of what you choose to connect or share.

How does Ditch make money?

Ditch makes money by taking processing fees on the outbound loan payments serviced from the app. Ditch also offers an optional premium subscription providing access to advanced features. Ditch also partners with employers or financial platforms who sponsor Ditch for their users.

Can I use Ditch with any type of debt?

Yes! Ditch supports credit cards, student loans, personal loans, auto loans, and more. If you have debt, Ditch helps you build a personalized plan and automate your payments to knock it off faster.

How do we get started?

Just reach out to our team for a short demo call. We’ll walk you through pricing, onboarding, and launch support—and help you bring Ditch to your employees in a matter of weeks.

What kind of reporting will we receive?

You'll receive anonymized, high-level reporting on enrollment, engagement, and value realized. This helps you understand program impact without compromising employee privacy.

Can we customize Ditch's offering to fit our organization?

Yes. You can choose to offer Ditch as a standalone benefit or pair it with contribution matching. We also offer co-branded materials and custom onboarding messaging.

How does Ditch keep employee data secure?

Ditch uses enterprise-grade security measures and is fully compliant with industry privacy and security standards. We never sell or share employee data.

Is there a minimum number of employees required to get started?

Nope. Ditch works with teams of all sizes. Whether you're piloting with a small group or rolling out company-wide, we scale to fit your needs.

How do employees enroll?

Employees are invited to download Ditch and sign up in minutes via the mobile app. They link their debt and spending accounts, set their repayment preferences, and are guided through the setup with in-app support.

What does it cost to offer Ditch?

We offer flexible, tiered pricing based on the number of employees covered. You can choose how much you want to cover versus your employees, helping it fit into any benefits budget. Contact us for a tailored quote.

How much ongoing management does Ditch require from my HR team?

Very little. Ditch is a turnkey solution with minimal administrative burden. We handle employee onboarding, technical support, and engagement. You get access to high-level reporting without day-to-day oversight.

How does Ditch integrate with our existing benefits program?

Ditch is designed to complement your existing benefits. Implementation is simple and follows a "Zero Integration" model, making it simple to roll out. The enrollment process for employees is fully self-served, and we handle outreach and engagement to help drive adoption.

What is Ditch, and how does it benefit our employees?

Ditch is a financial wellness benefit that helps employees pay down debt faster through automated round-ups, personalized insights, and optional employer contributions. By reducing financial stress, Ditch improves employee well-being, engagement, and retention.

What value does Ditch offer financial institutions?

Ditch helps financial institutions drive better repayment outcomes and deeper customer engagement. Our platform gives borrowers modern, automated tools to repay debt faster—improving portfolio performance and reducing delinquency without adding operational burden.

How can we partner with Ditch?

We offer flexible partnership models to fit your goals. Choose between a light-touch referral model (with revenue share or success-based fees) or a deeper integration to embed Ditch directly into your digital experience.

What’s the lift required to get started?

Minimal. Our referral model requires no technical integration and can be launched quickly. If you're interested in a deeper integration, our team will collaborate with yours to ensure a smooth setup with low IT overhead.

What kinds of outcomes can we expect?

Our users see real results—accelerated repayment timelines, higher engagement, and improved satisfaction. For institutions, this means lower default rates, increased prepayment, and a more financially stable customer base.

How does Ditch make money?

We offer flexible models, ranging from a platform fee or success-based fee to revenue shares from referrals. No matter the use case, we can meet you where you are with a low-risk pricing model.

Is Ditch secure and compliant?

Yes. We partner with regulated providers and ensure all data and payments are managed securely. We also comply with applicable consumer finance and data protection regulations.

Let us know how you’d like to partner—we’ll meet you where you are.

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