Intelligent Debt Guidance Solutions
Student • Credit Cards • Mortgage • Auto • Personal Loans
Embeddable enterprise solutions designed to turn debt blockers into business outcomes
Trusted by notable fintechs, lenders and consumer banks
First in class
Transforming debt guidance experiences
Deliver personalized guidance for debt repayment journeys, ensuring better outcomes for your customers, and a remarkable increase in customer engagement for you.
Payitoff provides low-code and no-code, intelligent debt guidance solutions for forward-thinking banks, lenders and financial wellness providers.
Empower your customers with intelligent debt guidance to help them achieve the best outcomes, every time
Link Debts
With 100% coverage, our proprietary approach to linking doesn't require the consumer to know their credentials.
Explore Guidance
Our intelligent guidance returns the best next step for customers, based on their personal context
Make Moves
With just a few clicks, customers perform actions in-app, designed to save thousands on their repayment term
Tie customer outcomes to your financial success roadmap
Customers save on their debt, while you amplify your business success outcomes
Dependable
Get real-time, reliable access to live debt accounts without worrying about stale connections
Effective
Pull 95% of all consumer debts without credentials using our proprietary linking approach, leading to higher conversion in every flow
Fast
Use our no-code solution for an ultra-light engineering lift. See an example in action to test it out
Configurable
Configure our white-label solutions with your brand colors for a seamless user experience
Outcomes-Driven
Free up an average of $323* / month so customers can save, invest and build wealth over time
Reliable
Our customer success team is dedicated to making sure you amplify your business success outcomes
*Represents actual average savings of borrowers who linked their account with Payitoff and qualified for a federal repayment plan. The sample is based on an aggregated set of data representing over $1.5 billion in loan volume across 215,000+ loans on the Payitoff platform
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![Vince Passione, CEO, LendKey]()
"LendKey and Payitoff have come together to offer this tool to not only educate federal student loan borrowers on their options, but also help them to achieve financial stability more quickly."
Vince Passione, CEO at LendKey
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![Carly Heman, AGM at Earnest]()
"Payitoff’s intelligent guidance platform made it easy for borrowers to find their servicer and select the best repayment option in seconds."
Carly Heman, AGM at Earnest
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![Jennifer Miller SVP, Alliance Leader, U.S. Bank]()
"Borrowers can then set up bill pay to stay on track with their payment schedule, all in a simple and secure experience. What would take hours manually, can now be done in just minutes."
Jennifer Miller, SVP, Alliance Leader at U.S. Bank
