How EarnUp Works
Can I use my existing bank account with EarnUp?
EarnUp can utilize any US-based bank checking account. Savings accounts have limitations on the number of monthly transactions, so we recommend using a checking account for your protection. Note that only one bank account can be associated with your ...
Can I add more than one loan to my EarnUp account?
Yes, you can! Please take a look at our How can I add a new loan to my account? page to learn more.
How does EarnUp’s acceleration program work?
EarnUp’s optional acceleration program helps you contribute the equivalent of one additional monthly payment to your loan every year. When this additional payment is applied as extra principal, this has the huge benefit of decreasing the total ...
What is the difference between Weekly, Every Other Week, Twice a Month, and Monthly?
EarnUp recommends that you choose a schedule that aligns with the day(s) that you get paid. The description of each schedule type is listed below. Weekly means every week - if you are paid weekly, you receive 52 paychecks per year. Most months have 4 ...
How often will EarnUp withdraw money from my bank account?
We offer 4 different schedules that you can choose from for withdrawals. You can choose to have money withdrawn weekly, bi-weekly, semi-monthly, or monthly. To learn more about the different withdrawal schedules, please take a look at our What is ...
How does EarnUp go beyond automatic payments? Why Choose EarnUp?
Manage your payments, all in one place by having: A single login to manage payments to your home mortgage. See balances due, next payment dates, set up weekly, bi-weekly, semi-monthly and monthly withdrawals, manage accelerating and pausing debits. ...
How can I get access to my account online?
Already a customer? To claim your online account please give us a call at 1-800-209-9700 and one of our Customer Happiness representatives will be happy to assist you through that process.
How does EarnUp’s service work?
EarnUp is a consumer-first payment platform. We facilitate scheduled weekly, bi-weekly, semi-monthly and monthly debits, and send monthly payments to lenders. Our goal is to provide Americans with the financial tools to easily manage their money and ...
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How to get in touch so we can help you out
Call EarnUp at 800-209-9700, weekdays from 6:30am-5:00pm PT, or email support@earnup.com, to connect with a member of the Customer Happiness Team.
How do ACH bank transfers work?
ACH stands for Automated Clearing House, a U.S. financial network used for electronic payments and money transfers. Also known as “direct payments,” ACH payments are a way to transfer money from one bank account to another without using paper checks, ...
Are payments or debits completed on banking holidays ?
ACH transfers, check payments, and debits are not completed on bank holidays. If a payment or a debit is scheduled on a banking holiday, the processing date will be delayed until the next business day.
What is amortization and how does it work?
Amortization is the process of spreading out a loan into a series of fixed payments. The loan is paid off at the end of the payment schedule. The best way to understand amortization is by reviewing an amortization table. If you have a mortgage, the ...
What is the difference between interest rate and Annual Percentage Rate (APR)?
APR is the annual cost of a loan to a borrower — including fees. Like an interest rate, the APR is expressed as a percentage. Unlike an interest rate, however, it includes other charges or fees such as mortgage insurance, most closing costs, discount ...