Loan Volume
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Loan Volume

Grow loans and deposits with less risky borrowers.

Nearly half of Americans are willing to have more than one banking relationship.1 Consumers will pay off a loan at one institution with deposit dollars held by another. 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. 

12023 GOBankingRates Survey. 
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Attract more engaged borrowers.

2x

more likely to add a checking account

30%

higher checking balances1

33%

reduction in delinquency and charge-offs1
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1 Kasasa Analytics, 2023 behaviors of borrowers using Take-Backs.

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. 

Digital Platform

Increase account holder confidence.

Summary:

Feature Hub gives account holders a dedicated place to see what they've earned, track their activity, and know what’s next.

Benefits:

  • Drive account holder engagement.

  • Deepen products per household.

  • Increase operational efficiency. 

Optimized Marketing

Marketing that works (with less work).

Summary:

BrandCore helps you refine your go-to-market strategy with the right product mix, tested campaigns, and audience intelligence.

Benefits:

  • Attract new account holders.  

  • Raise awareness of your brand.

  • Strengthen consumer relationships. 

Strategic Consultation

Amplify your program’s performance.

Summary:

Get actionable insights fueled by 1 trillion+ lines of data from financial institutions across the country. All for no additional cost. 

Benefits:

  • Adjust to market shifts.

  • Reach milestones faster.

  • Improve your margins. 

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

See how others improve their bottom line. 

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$20MM in Kasasa deposit growth in 6 months.

See Jolt’s success story
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1.10% all-in funding cost with Kasasa checking.

See APCU’s success story

Ready for real deposit growth?

Contact Us

1.877.342.2557

6504 Bridge Point Parkway, Suite 500
Austin, Texas 78730

Get the consumer experience!

Copyright © Kasasa, LTD. All rights reserved. Kasasa, LTD. is not a chartered bank or trust company, or a depository institution. It is not authorized to accept deposits or trust accounts and is not licensed or regulated by any state or federal banking authority.

Copyright © Kasasa, LTD. All rights reserved. Kasasa, LTD. is not a chartered bank or trust company, or a depository institution. It is not authorized to accept deposits or trust accounts and is not licensed or regulated by any state or federal banking authority.

Deposit Offerings:

Qualification Information: To earn an account's rewards, consumers must meet specific qualifications during each Monthly Qualification Cycle period. Account qualifications and Monthly Qualification Cycle periods are established by each participating community financial institution and may vary by account.

Reward Information: Depending on the account, consumers will receive the following rewards when they meet their account's qualifications during a Monthly Qualification Cycle:

  • Interest / Dividends on your checking account balances (High Interest Checking)
  • Interest / Dividends on your savings account balances (High Interest Savings)
  • Cash back on debit card purchases (Cash Back)
  • Cash back on debit on delivery services and grocery store purchases (Cash Back Groceries & Food Delivery)
  • Refunds on debit card purchases on select streaming services including music, video and gaming (Cash Back Streaming Services)
  • Refunds on ATM withdrawal fees, nationwide, up to a specific amount as determined by each participating community financial institution.

When qualifications are not met, the account's rewards are not earned or distributed, and only the non-qualifying Annual Percentage Yields (APY) is paid on interest/dividend bearing accounts. APYs are established by each participating institution and are accurate as of the specific dates published by each institution.

Account rewards are distributed to the appropriate account(s) on a specific date established by each community financial institution.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened and may change without notice. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information: Membership restrictions may apply if a credit union is utilized. Account approvals, conditions, qualifications, limits, timeframe, log-ins and other requirements apply. Qualifications, rates, rewards, fees, account specifics and restrictions may vary by account and by participating institution. A minimum deposit may be required by some institutions to open an account. Enrollment in electronic services (e.g., online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Kasasa accounts are intended to be free, so there should be no recurring monthly maintenance fees, or charges to open or close the accounts. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact specific institution for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

All Kasasa accounts are offered by community financial institutions whose deposits are insured by one of the following:

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Trademarks: High Interest Checking, High Interest Savings, Cash Back, Cash Back Groceries & Food Delivery and Cash Back Streaming Services are trademarks of Kasasa, Ltd., registered in the U.S.A.

Take-Back Feature:

Description of the Take-Back Feature: Kasasa's Take-Back feature enables borrowers to make prepayments (payments in excess of each scheduled monthly payment) to reduce the total amount of interest they must pay. It also gives the borrower the ability to borrow back those additional funds (e.g., Take-Backs™) should an unexpected financial need or opportunity arise.

Loan Rates & Term: Loans offering the Take-Back feature are subject to credit approval by the participating lending partner. Many factors affect credit approval and the interest rate the borrower may receive.

Loan Interest Charges & Fees: When interest begins to accrue and the method by which interest is calculated may vary by participating lender. Borrower may be charged a fee each time a scheduled payment is late; a fee for every payment that is returned for insufficient funds and for any applicable membership or participation fees. See the participating institution for details.

Application of Loan Payments: All payments, including any additional payments above and beyond the scheduled monthly minimum payments are applied to the loan as documented in the loan's Truth in Lending disclosure. Making additional payments does not eliminate the borrower's requirement to make the loan's monthly minimum payments. Subject to applicable law, payments are applied at the lender's discretion.

Additional Information: Borrowers must meet a lender's underwriting requirements. Not all borrowers will receive the lowest rate. To qualify for the lowest rate, borrowers must have a responsible financial history and meet other funding criteria. If approved, the loan's actual rate will depend on a variety of factors including the term of the loan, and the borrower's financial and employment history; income and other factors. Rates, fees, and terms vary by lender. Rates and terms are subject to change at any time without notice and are subject to state restrictions. Contact a loan representative from your lender for additional information, details, and loan application.

Trademarks: Take-Backs is a trademark of Kasasa, Ltd., registered in the U.S.A.