NO CREDIT CHECK YOU SET THE PAYMENT 1–3 YEAR TERMS

Your comeback
starts here.

A fresh installment loan from $200 to $5,000 — built backwards, starting from what you can actually afford each month.

No credit check. No lectures. Just a plan that fits.

Start with the payment.

Not "how much do you want" — how much can you comfortably pay back each month?

I CAN PAY, PER MONTH $100
FOR HOW LONG?
Your loan would be about
$1,750
$100/month for 24 months — $2,400 repaid in total.
≈ $46 every two weeks
30% annual interest, disclosed upfront. No fees. Not an offer of credit — final approval and terms come with your contract.
NOTCHUP FRESH START

APPLY IN ONE MINUTE

LOAN$1,750
PAYMENT$100/mo
TERM24 months
How do you get paid?
Submitting doesn't commit you to anything. No credit check. We'll review your application and email your contract — the exact payoff of your current balance, the $200 advance, and the month-6 release will all be spelled out in it.

How Fresh Start works.

01
Tell us what works for you
Pick a monthly payment you can actually keep up with, and a term from 1 to 3 years. We compute the loan from that — not the other way around.
02
We clear your slate
Part of the loan pays off your current NotchUp balance. No more past-due — one loan, one predictable payment.
03
$200 to you at signing
Real money in your account the day you sign. Not a promise — a transfer.
04
The rest unlocks at month 6
Six on-time payments in a row and the remaining funds are released to you. You're back on track — and we can prove it together.

Falling behind shouldn't be a dead end.
This is the way back.