Catches your bills when your job doesn’t.
Catchfall keeps households current on loans, mortgages, credit cards and auto notes when earned income stops unexpectedly. A published monthly cap per debt, a fixed term you pick at sign-up, and plain-language exclusions — written from the borrower’s side, not the carrier’s.
Distributed through partner lenders and credit unions, and directly from us so shoppers can price, buy, and cancel without counter pressure. Already enrolled? Sign in to view your active policies.
Cap
Published monthly
Term
Fixed, your pick
Premium
Per $1,000
Cancel
Refundable window
The worst-case monthly payout is on the page before you ever sign — and the review window is long enough for a household to actually read the exclusions.
- Involuntary unemploymentA layoff, an eliminated role, a non-renewed contract.
- FurloughA temporary, unpaid stand-down with a known return date.
- DisabilityAn illness or injury that keeps you off work for a stretch.
Four coverage lines, each with its own published cap.
We don’t promise the same number for every kind of debt. Mortgages, auto loans, personal loans, and credit cards pay out on the basis that fits the product — and the basis is named on the line, not buried in a clause.
Pays a stated monthly amount directly to your servicer for the months you’re off work. The number of months is named in the policy — not “up to” or “as needed.”
Three steps. One is signing, two are keeping you covered.
- 01
Price in plain numbers
Pick a debt, see the cap, see the premium per $1,000. No quote maze, no “representative example.”
- 02
Sign without bundling
Cover one debt or several — never auto-bundled at loan signing. The exclusions are on the page in front of you.
- 03
Get paid while you’re off work
When a covered event kicks in and your paychecks stop, payments go to your lender. You stop chasing the bill.
What the policy pays out for.
Each is named on a line you can read before you ever authorize a charge. No cross-references, no “see attached endorsement.”
- Layoffs and non-renewalsAn involuntary separation — redundancy, role elimination, contract not renewed.
- Furlough with a return dateA temporary, unpaid stand-down from an active employer.
- Disability that keeps you off workAn illness or injury that suspends earned income for a covered stretch.
- Refunds inside the review windowCancel inside the published window for a full premium refund.
What isn’t covered — and why.
Categories long-established carriers also exclude, named here rather than tucked into a definitions section.
- Voluntary resignationWalking away from a job you can keep is not a covered event.
- Termination for causeMisconduct, fraud, or policy violations that end employment are carve-outs, not cover.
- Self-employment gapsA side-business slowdown does not qualify as involuntary unemployment.
- Pre-existing condition carve-outsDisability cover excludes conditions diagnosed or treated inside the waiting period.
Two numbers, before you sign anything.
The premium per $1,000 of balance, and the published monthly cap — the worst-case payout the policy will ever pay to your lender. Cover type, term, and balance are the only inputs.
Two rails. The same policy on each.
Partner lenders and credit unions keep their volume moving. The direct storefront is the channel that didn’t pre-attach cover at loan signing — and it’s the one that makes counter-pressure impossible.
Through your lender or credit union.
The same contract express lanes your servicer already uses, with cover offered as a single add-on — never auto-bundled at signing. Existing volume still moves.
Direct from us, no counter pressure.
Shoppers price, buy, and cancel on their own time. No desk, no tecloser, no “sign today for this rate” — the channel friction that has dragged payment-protection through CFPB complaints for a decade.
Privacy, disclosures, and how this product is written.
The inbox is real. The reply is the founder.
Lender partnerships, integration questions, press, and household-side questions — one inbox, read by a person who has signed the same kind of paycheck you have.