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Car payment protection. One payment split in two, and a lender paid in full on the day it is due.

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© 2026 cushn. All rights reserved.

Auto payment protection

Split your payment.
Your lender gets paid
in full. On time.

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.

Protect my payment →See how it works

No interest. One flat fee. 30-day repayment. Zero lender cost.

$
You pay the restin 14 days
7 days30 days
You pay today (due date)$210+$20fee
Your lender receives$420— full & on time
Due within 30 days$210— no interest
Cushn flat fee$20— charged once

Edit the amount to see your own split. The second date is agreed before anything is charged.

Auto delinquency is at a 32-year high. This is a cash-flow problem. cushn is the fix.

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.

  1. 6.9%6.9%subprime 60-day delinquency rate — a 32-year record, higher than the 2009 financial crisisFitch Ratings · Jan 2026
  2. 15.78%15.78%of subprime borrowers are 30+ days past due. Nearly 1 in 6 auto borrowers misses a payment every monthFederal Reserve · 2025
  3. $737$737average monthly car payment, an all-time high. One short paycheck is all it takes to missExperian State of the Automotive Finance Market · Q1 2026
  4. 35.55%35.55%of new-vehicle loans now run longer than six years, up from 30.83%Experian Automotive · Q1 2026

Four steps. Your lender is paid in full.

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.

  1. 01 · Before your due date

    Sign up in about two minutes

    Your lender, your loan, and how to reach you. No paperwork, and nothing is charged for looking.

  2. 02 · Before your due date

    Tell us how short you are

    We split the payment and show you both halves, both dates, and the flat fee before anything moves.

  3. 03 · On your due date

    Your lender is paid in full

    One complete payment reaches your lender. Nothing is late, nothing is partial, nothing about your loan changes.

  4. 04 · Within 30 days

    You pay the rest

    On the date you chose and saw before you agreed. No interest on either half, and nothing rolls over.

  1. Step 1 · Due date

    You pay your half

    The first half plus the flat fee, on your due date.

  2. Step 2 · Same day

    Lender paid in full

    Your lender receives one complete payment on time. Nothing is late.

  3. Step 3 · Within 30 days

    You repay the rest

    The second half is debited within 30 days. No interest. No rollover.

  4. Result

    Credit protected

    An on-time record on your credit file. Nothing hits your report.

One flat fee. Nothing that compounds.

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

  • $0Interest on either halfThere is no balance here to accrue against, so neither half carries any.
  • 30 daysTo pay the second halfOn a date you chose and saw before you agreed to anything.
  • $0Rollover or late fee from cushnIf the second half fails we agree a new date. There is no penalty on our side.
  • $0Cost to your lender, everThey receive one full payment on the due date. Nothing about your loan changes.
See your split — free

Protect your next car payment

Free enrolment · Soft credit check only · No ding to your credit · Decision in seconds · 2 minutes

About you
🇺🇸United States, country code +1
Your loan

Within the next 30 days.

7 to 30 days after your due date.

For lenders

Your borrowers have the income. They run short on the timing.

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.

  • Delinquency

    The first missed payment never happens

    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.

  • Economics

    Zero cost to you

    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.

  • Integration

    Nothing in your servicing workflow changes

    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.

  • Compliance

    Lead Bank holds the funds, Stripe moves them

    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.

Talk to us about a partnership
Worked illustration

Arithmetic on two assumptions, not a finding of ours. Substitute your own numbers — the second one is a figure only you can tell us.

1,0001,00030-day events prevented, monthly
×
$400$400your cost per event, assumed
$400,000$400,000collections cost avoided each month, on those assumptions
$0$0charged to you
+
$0$0to integrate
$0$0what cushn costs a lender. The borrower pays the flat fee.

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