Mission driven beginnings


Celebrating 10 years enabling >3 million consumers to conquer their mortgage, auto, student and personal loan debt. 

EarnUp icon

By the numbers.


payments remitted to loan servicers

> 3 M

consumers have used EarnUp

$43 B

cumulative transactions value


transactions completed

We can build a financial system that works for everyone​​

EarnUp is an award-winning financial technology platform that intelligently automates loan debt repayment.

Our founders built EarnUp because they saw financial worries take a toll on their parents. 

EarnUp is a consumer-first payment platform.

It was designed it to help achieve a goal to provide people with financial tools to easily manage money and improve financial well being.

According to the Consumer Financial Protection Bureau (CFPB), in 2020 credit card issuers charged $12 billion in late fees.  We’d like to see that number plummet to zero.

EarnUp is an award-winning consumer-first financial technology platform that intelligently automates loan payment scheduling.

The EarnUp payments platform makes it easy for people to stay on track with loan payments through its patented technology, and predictive analytics. EarnUp manages >$10 billion in loans and has helped more than 3 million people across the U.S. outsmart their loan debt.

EarnUp has received numerous awards, including the HousingWire 2023 Tech100 Mortgage Winners, Forbes Fintech 50, CNBC Upstart 100, and Citi Open Innovation Challenge. 


The Financial Pandemic

Americans are more in debt than ever.

If something isn’t done to address this growing financial burden, it could have dire consequences for the overall economy.

The staggering levels of debt, whether it be from student loans, credit card debt, or mortgages, are a cause for concern.

Additionally, individuals must prioritize financial literacy and make informed decisions about their borrowing habits to avoid falling deeper into debt.

Americans Owe*

    • $1.1T in credit card debt
    • $11.92T on mortgages
    • $1.55T on vehicle loans
    • $1.60T for student loans

Proud to be backed by:

Bain Capital
Blumberg Capital
Key Bank Logo


Nadim Homsany

Nadim Homsany

Co-Founder & CEO
Matthew Cooper

Matthew Cooper

Co-Founder & President
Brian Gunn

Brian Gunn

Chief Revenue Officer
Michelle Scanlon

Michelle Scanlon

Chief Customer & People Officer
Aileen Casanave

Aileen Casanave

GC, Chief Compliance Officer
Manish Garg

Manish Garg

SVP Product & Technology
Brad Woodcox

Brad Woodcox

VP Product & Operations
Joe Hanna

Joe Hanna

Head of Finance

Careers at Earnup