Kasasa Loans

THE POWER OF TAKE-BACKS™

Empower borrowers to take control of their debt without losing their financial safety net.

Borrowers can pay more on their monthly payment to save on interest and pay down their loan faster with the confidence that they can easily take it back in our award-winning dashboard.

Take-Backs are specifically engineered to ensure the original amortization schedule stays intact, so you're able to offer borrowers an innovative solution that fits their needs without ever changing the underlying credit risk of the asset.

BENEFITS BEYOND LOAN VOLUME 

Deepen relationships and grow deposits. 

Borrowers are ready to upgrade their debt once they learn about loans with Take-Backs. They're also more likely to have a checking account, higher account balances, and better payment habits with your financial institution. 

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Grow accounts and loans organically.

Grow accounts and loans organically.

2X

more likely to attach an active checking account1 

30%

reduction in loan delinquencies1 

1.2

loans per borrower1

61

Net Promoter Score2 

1Kasasa Analytics, 2023. Behaviors of borrowers using Take-Backs.
2Net Promoter Score, 2023.

NEXT-LEVEL LENDING

Increase borrower engagement.

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TAKE-BACKS

Give borrowers the confidence to pay ahead, knowing they can access the extra funds they paid when they need them.

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DIGITAL DASHBOARD 

Let borrowers see the impact of payments before they make them and access their Take-Back balance at any time. 

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ONLINE BANKING 

No need for extra logins. Borrowers access the Take-Back dashboard in your current online banking platform.

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CORE INTEGRATION 

Add the Take-Back feature to new and existing loans. All loan servicing remains on your core processor. 

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AUTOPAY ADOPTION

New borrowers are encouraged to set up autopay from a specific checking account during onboarding.

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CROSS-PROMOTION 

Tell account holders why their loans should have Take-Backs. Show borrowers how rewarding Kasasa checking can be. 

Proven success formula.

Offering borrowers flexibility is the first step. See your financial institution thrive with data-driven marketing and consultative guidance.

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Optimized marketing

Boost your loan volume even more with an optional program to help you reach new borrowers in your community. 

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Dedicated support

Receive strategic guidance and helpful resources, including performance reviews, online training, and actionable analytics. 

FAQ

A Take-Back Loan is a fixed-rate, fixed-term loan with an agreed-upon payment schedule. The consumer gets their initial disbursement and makes regular payments until the balance is paid in full. 

With the mobile-friendly dashboard and app, borrowers have more transparency and control over their loan. They can manage their loan, make payments, and withdraw from their Take-Back Balance in just seconds (and see the impact of these changes before they make them). Withdrawals deposit into the borrower’s checking account and the loan balance adjusts accordingly — but never exceeds the original amortization schedule. 

The flexibility to get those extra funds if needed means borrowers no longer have to choose between saving for unexpected expenses and doing the financially responsible thing by paying down their loan quicker. 

Kasasa does not underwrite any loans — you’ll continue to follow your current underwriting and decisioning practices. New and existing loans can live on the existing core. Consumers enjoy an enhanced experience within their current online banking. No change to frontline or back-office processes.

We developed our Take-Back feature, and its associated documentation, with the help of one of our nation's leading law firms. Utilizing an elegant user interface, borrowers can add the Take-Back feature by simply reviewing the feature's disclosure and executing it via electronic signature.