Take-Back Loans

Take-Back® Loans

The smartest way to borrow.

Get out of debt faster by paying ahead when you can without sacrificing your financial safety net. The best personal loans come with Take-Backs™:

  • Auto loans
  • Home improvement loans
  • Wedding loans
  • Vacation loans

See how it works

Take-Back Loans make it easy to take control of your debt

  • Save big on interest

    By paying ahead when you can.

  • Get Take-Backs

    So you can withdraw those extra funds later, penalty-free.

  • Easy-to-use dashboard

    Keeps you in control.

Pay off your loan faster or build an emergency fund…
Why not both?

Most traditional loans allow you to pay more than the fixed monthly payment to get out of debt sooner. But that can be scary because once you hand that money over — it's gone.

With Take-Back Loans, additional funds over your minimum monthly payment are available later if you need them, penalty-free. So you never have to choose between getting out of debt sooner or having a financial safety net.

How Take-Backs work.

Save on interest payments

Paying off your loan early means less interest paid. The sooner you pay it off, the more you'll save!

Get out of debt faster

The more you pay ahead, the sooner you can pay off your loan, and the more money you have available to access if you need it later.

Pay ahead on your loan

Start getting ahead on your loan by paying above your minimum monthly payment to get out of debt sooner.

Build your Take-Back balance

Those additional funds go into your Take-Back balance - accessible at the click of a button, penalty-free.

Like any other loan — only better.

See the difference

  Personal Loans Take-Back Loans
Can pay ahead to get out of debt early. Yes Yes
Competitive interest rate. Yes Yes
Fixed rate means no surprises. Yes Yes
Peace of mind so you can get ahead. No Yes
See how changing payment affects payoff before you do it. No Yes
Easy to track loan progress. No Yes
Free access to Take-Back balance anytime. No Yes
Take-Back balance serves as a rainy day fund. No Yes
Powerful dashboard keeps you in control. No Yes

Take-Back Loans are changing how people manage their debt.

Does your financial institution offer Take-Back Loans? Ask them why not!

5/5

It's a great loan to use. I can pay ahead each month then take that money back out and it won't hurt anything. I'd recommend it to anyone looking for a loan.

Shane L.
5/5

My Take-Back Loan shows me how much interest I've paid and when I can pay it off... I'm already ahead on my auto loan!

Kristen C.
5/5

The dashboard tool is great, very slick! Also, easy to use and flexible payments! 

Ronnie
5/5

It's a great loan to use. I can pay ahead each month then take that money back out and it won't hurt anything. I'd recommend it to anyone looking for a loan.

Shane L.
5/5

My Take-Back Loan shows me how much interest I've paid and when I can pay it off... I'm already ahead on my auto loan!

Kristen C.
5/5

The dashboard tool is great, very slick! Also, easy to use and flexible payments! 

Ronnie