Auto payment protection
Car payments hit an all-time high of $737/month. When cash runs short, Cushn covers the gap — splitting your payment in two while your lender receives the full amount on the due date. Nothing is late. Nothing hits your credit report.
No interest. One flat fee. 30-day repayment. Zero lender cost.
Edit the amount to see your own split. The second date is agreed before anything is charged.
Published figures, each carrying the period it covers and a link to the publication it came from. Nothing here is our own estimate, and nothing here is a credit-character problem — it is a timing one.
Cushn works at the moment you need it. Tell us your shortfall. We split it, send your lender the full payment, and you repay the second half within 30 days.
Your lender, your loan, and how to reach you. No paperwork, and nothing is charged for looking.
We split the payment and show you both halves, both dates, and the flat fee before anything moves.
One complete payment reaches your lender. Nothing is late, nothing is partial, nothing about your loan changes.
On the date you chose and saw before you agreed. No interest on either half, and nothing rolls over.
The first half plus the flat fee, on your due date.
Your lender receives one complete payment on time. Nothing is late.
The second half is debited within 30 days. No interest. No rollover.
An on-time record on your credit file. Nothing hits your report.
You see the fee, both amounts, and both dates before you agree to a split. Nothing is charged until you do.
$20–35
Per split · charged once with your first half · set by your advance
Free enrolment · Soft credit check only · No ding to your credit · Decision in seconds · 2 minutes
For lenders
A missed payment starts a cascade that costs you far more than the payment was worth. cushn closes the gap at the only point where closing it is cheap — before the first late flag — and charges the borrower, never you.
When a borrower cannot cover the whole payment, the split runs before a late flag exists. Your servicer records a payment on its due date, and your collections team never opens the account.
The flat fee is charged to the borrower, not to the lender. No integration fee, no revenue share, no ongoing obligation. You receive one ordinary full ACH payment on the date you expected it.
The borrower enrols with cushn, not through you. If you would rather surface it in your own payment portal, that is a link — not a change to your ACH routing or your servicer.
cushn is never in the middle of the money. Your loan terms, your rate, and your relationship with the borrower are untouched, and you carry no exposure to the advance.
Arithmetic on two assumptions, not a finding of ours. Substitute your own numbers — the second one is a figure only you can tell us.