Ditch is a personal finance app built to make paying down debt simple and automatic. Instead of asking users to manually move money or remember due dates, Ditch uses AI-powered coaching, automatic round-ups, and behavioral design to help users make progress without guilt, decision fatigue, or friction.

With Method, Ditch turned that vision into infrastructure — giving users real-time visibility across their debts and automating payments so payoff happens quietly in the background, even when life gets overwhelming.

Key launch facts

• Product: Centralized debt dashboard for visibility, insights, and repayment

• Go-live: October 2023

• Focus: Simple, automatic debt repayment

• Adoption: 615× growth in payments processed, scaling to support 10,000 monthly users

The problem Ditch set out to solve

Before integrating Method, Ditch users ran into a familiar challenge: taking action required too many steps.

To support automatic debt repayment (including applying small dollar amounts and round-ups) users needed to connect multiple credit cards and loans. Each additional step increased friction and led to drop-off before users could see progress.

Without a simple way to handle both account connections and payments in one place, automation was hard to deliver consistently. Users fell back on manual tracking, outdated data, or switching between portals to make payments. Balances weren’t always current, and progress was difficult to follow.

The issue wasn’t interest or intent. Users wanted a more automatic way to pay down debt. Ditch didn’t need more insights or tracking — it needed a dependable way to handle connectivity and payments so repayment could happen quietly in the background.

What Ditch built with Method

With Method, Ditch built a centralized debt experience designed to remove friction from setup and repayment.

Users connect their debts directly inside the Ditch app and see up-to-date balances across credit cards, personal loans, and student debt, all in one place.

The experience starts when a user links their accounts through Method's embedded UX, Opal. Once connected, Method brings together credit cards, personal loans, and student debt into one unified view, with current balances, interest rates, and payment due dates.

From there, Ditch’s repayment engine takes over. Users choose which debts to prioritize, and payments (including automated round-ups from everyday spending) are applied automatically in the background.

No logging into multiple banking portals. No manual transfers. No uncertainty about whether payments went through.

Under the hood: the hard parts

Method's connectivity, real-time liability data, and embedded payments are the foundation of Ditch's repayment experience:

• Instant account linking – users connect credit cards, personal loans, and student debt in seconds through Method's frictionless onboarding

• Real-time balance updates – liability data refreshes automatically, eliminating reliance on outdated credit reports

• Embedded payment rails – users can pay any connected liability directly from Ditch, with no need to leave the app or log into multiple portals

• Complete coverage – Method's network spans 15,000+ financial institutions, ensuring users can see and pay virtually any debt

Behind the scenes, Ditch and Method's engineering and customer success teams collaborated to refine the user flow, ensure payment reliability, and scale the infrastructure from pilot to production—growing from roughly 100 users at launch to 6,000 today.

Early results

Since launching with Method, Ditch has:

• Processed $2M+ in debt payments

• Grown to 10k monthly payments

• Maintained 80% month-over-month payment retention

But the numbers only tell part of the story. Ditch has become something rare in personal finance: a product users genuinely love.

Users aren't just trying Ditch; they're staying. And they're vocal about it. Over 30 organic, unprompted testimonials have appeared on TikTok from users celebrating their progress, with common themes like:

• “It just happens.”

• “I finally feel in control.”

• “This makes debt feel possible.”

What users are saying

From the App Store:

“This app has been so helpful as a place to start paying off my debt. I was too overwhelmed to start, but this made it simple to pay it off little by little.”

“This makes it so easy to pay down debt without thinking about it. I’ve paid off three credit cards using small amounts of money I don’t miss.”

From TikTok (Maria Armas):

“I downloaded Ditch back in March, and it’s helped me pay off $3,200 so far. I didn’t even feel the money coming out of my account.”

Why it matters

For Ditch, Method's integration transformed the product from a passive tracker into an active debt operating system. The experience drives higher activation, deeper engagement, and longer retention—making Ditch more valuable to users and more defensible as a business.

For users, the impact is both practical and emotional:

• Automation restores control – users don't want to think about debt; they want to see it handled. Automation removes guilt and decision fatigue.

• Visible progress fuels motivation – bite-sized proof of progress builds momentum. Users stay because they can see it working.

• Debt payoff becomes emotionally rewarding – the same instant gratification loop that drives spending now fuels financial progress.

When Ditch made debt repayment automatic, they gave users something rare in finance: emotional relief that compounds into real progress.

What's next

Ditch is expanding its partnership with Method to build comprehensive debt planning and balance tracking, along with AI-driven repayment adjustments that adapt as user behavior and financial conditions change.

The goal is simple: make debt freedom not just possible, but inevitable.

Ditch’s #BuiltWithMethod Advantage

• End-to-end in-app debt experience

• Real-time liability coverage

• Automatic repayment that runs in the background

• Trusted infrastructure across 15,000+ financial institutions

Want to build your own automatic debt repayment experience?

If you want to ship a debt payoff experience, let’s talk. Book a demo today.