How does Kasasa help community financial institutions grow loan volume?

Kasasa helps community financial institutions grow loan volume by adding the Take-Back feature to new and existing loans — empowering borrowers to pay ahead and access those extra funds anytime. This reduces delinquency risk and builds deeper relationships that drive deposit growth. According to Kasasa Analytics, borrowers with Take-Backs are 2x more likely to add a checking account, have 30% higher checking balances, and institutions see a 33% reduction in delinquency and charge-offs.

Why do consumers choose loans with the Take-Back feature?

Consumers choose loans with the Take-Back feature because it removes the financial risk of paying ahead. Borrowers are empowered to pay down debt faster knowing they can access the extra dollars they've paid ahead at any time — they no longer have to choose between building a financial safety net and doing the responsible thing by reducing their debt. According to Kasasa research, borrowers would refinance all their debt to get Take-Backs, regardless of rate.

Why is loan-only relationship management a risk for community financial institutions?

Loan-only relationship management is a risk for community financial institutions because 73% of consumers have multiple banking relationships beyond their primary financial institution, according to the Accenture Banking Consumer Study 2025. This means consumers routinely pay off loans at one institution using deposit dollars held at another — making the institution perpetually one competitive offer away from losing the borrower. The Take-Back feature addresses this by giving borrowers a compelling reason to open a checking account and consolidate their banking relationship.

Does adding Take-Back Loans require changes to the institution's core system?

No. Kasasa's technical experts and back-end automations simplify Take-Back installation and maintenance. Loans live on the institution's current core processor — there is no core system replacement required. The Take-Back feature can be added to both new loan originations and existing loans in the portfolio, and Kasasa retains current processes for frontline and back-office teams.

How does Kasasa convert loan-only borrowers into full deposit relationships?

Kasasa converts loan-only borrowers into full deposit relationships through a combination of the Take-Back feature (which makes borrowers 2x more likely to open a checking account), Feature Hub digital platform (which gives borrowers a reason to engage daily with the institution's app), and optimized marketing with in-app onboarding journeys that convert borrowers into primary account holders. Borrowers with Take-Backs also have 30% higher checking balances, meaning the deposit relationships they open are meaningfully larger.

Loan volume

Grow loans and deposits with less risky borrowers.

73% of consumers have multiple banking relationships beyond their primary financial institution.¹ Consumers will pay off a loan at one institution with deposit dollars held by another. By adding the award-winning Take-Back® feature to your loans, you can reduce delinquency risk and build deeper relationships, including driving profitable, long-lasting deposit growth.

¹Accenture Research Report: Banking Consumer Study 2025

Attract more engaged borrowers.

more likely to add a checking account²

30%

higher checking balances²

33%

reduction in delinquency and charge-offs²

Request a demo

²Kasasa Analytics

A proven approach to growth.

Kasasa is more than a suite of innovative products. Over 20+ years, we’ve identified the precise formula for measurable, long-term success.

Loans with Take-Backs™

Give borrowers more control.

Summary:

Borrowers are empowered to pay down debt faster because they can access the extra dollars they've paid ahead on the loan at any time.

Benefits:

Grow loans organically.
Increase core deposits.
Retain current processes.

Learn more

Digital Platform

Increase engagement and efficiency.

Summary:

Feature Hub gives borrowers one place to manage their loans with Take-Backs — your digital banking platform.

Benefits:

Drive borrower engagement.
Reinforce the value you provide.
Increase operational efficiency.

Learn more

Optimized Marketing

Marketing that works. With less work.

Summary:

Turn borrowers into primary account holders with our in-app onboarding journey and omnichannel marketing programs.

Benefits:

Attract new account holders.
Raise awareness of your brand.
Strengthen consumer relationships.

Learn more

Strategic Consultation

Amplify your program’s performance.

Summary:

Offer Take-Backs with confidence. Our technical experts and back-end automations simplify installation and maintenance.

Benefits:

Loans live on your current core.
Upgrade new and current loans.
Improve the consumer experience.

Learn more

Explore resources to improve loan performance.

Helpful tools and expert insights.

Demo See how borrowers access their Take-Back balance

Specs Get technical details about loans with Take-Backs

Blog Learn why borrowers are willing to upgrade their debt

Loan Volume

Grow loans and deposits with less risky borrowers.

¹Accenture Research Report: Banking Consumer Study 2025

Attract more engaged borrowers.

more likely to add a checking account²

higher checking balances²

reduction in delinquency and charge-offs²

A proven approach to growth.

Loans with Take-Backs™

Give borrowers more control.

Digital Platform

Increase engagement and efficiency.

Optimized Marketing

Marketing that works. With less work.

Strategic Consultation

Amplify your program’s performance.

Explore resources to improve loan performance.

Reach more profitable borrowers.

Loan Volume

Grow loans and deposits with less risky borrowers.

1Accenture Research Report: Banking Consumer Study 2025

Attract more engaged borrowers.

more likely to add a checking account2

higher checking balances2

reduction in delinquency and charge-offs2

A proven approach to growth.

Loans with Take-Backs™

Give borrowers more control.

Digital Platform

Increase engagement and efficiency.

Optimized Marketing

Marketing that works. With less work.

Strategic Consultation

Amplify your program’s performance.

Explore resources to improve loan performance.

Reach more profitable borrowers.

¹Accenture Research Report: Banking Consumer Study 2025

more likely to add a checking account²

higher checking balances²

reduction in delinquency and charge-offs²