Ditch for financial institutions
Increase repayment on your delinquent debts with AI
Use your members' round ups to get your past due debt payed off before it reaches a charged off state.
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The value for you
Ditch accelerates debt repayment and promotes improved financial behavior amongst your members
$250
Average increase in debt recuperated per member each month
6 Months
Average reduction in time to repay loans
20%
Average reduction in cost to service targeted segments
As operators with experiences 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 users current, all while decreasing the delinquent principal with round ups.
Debt types covered
Institutions covered
How it works
Step 1. Your user links their debt accounts
Step 2. Your user sets up payoffs, restricted to your debt
Step 3. Decrease balance effortlessly as your user spends
And that's just the start
Ditch comes packed with features that help you better interface with your customers and promote positive financial behaviors.
Accelerate repayment in key segments
With our payoff accelerators, you can make small, manageable payments on your debt while you spend.
Promote positive financial behaviors
See where you fall compared to others in your generation and get recommendations on which debt to tackle fist.
Build better brand association
Review spending, get AI-generated budgets, and set goals with our debt-focused budgeting tool.
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"
Pricing
It's simple, performance based pricing. We only charge a percentage of the debt your users pay off, so we only make money when you make money.