The add-on you left on the table at the desk.
Every credit-buying desk already attaches three things to a signed loan — the warranty, the SiriusXM, the GAP. Payment-protection insurance belongs in the same beat: a published monthly cap the buyer sees before they sign, a fixed term, a refundable review window. Same attach product, same moment, no new pitch script.
Distribution through dealers, finance companies, and credit unions — the same contract on every rail, only the closing room changes.
- The warranty slot.
- The SiriusXM slot.
- The GAP slot.
Catchfall slides into one of those three slots at the moment a loan is signed — same conversation, no new pitch template required.
Three slots you already have — one is open.
The credit-buying desk already runs three active attach products. Catchfall is the income-side analogue of each — same moment, same beat, written from the borrower's side for once.
- The warranty slot.
A buyer who just signed monthly payments is already answering "what if it breaks" with a service plan. Catchfall answers the same question for the loan itself — the monthly bill stays paid while earned income is off.
- The SiriusXM slot.
A subscription the buyer adds once, on the spot, because the value is obvious in the moment. Catchfall reads the same way: a published monthly cap the buyer can multiply in their head, before any signature is on paper.
- The GAP slot.
A real attach product the buyer never regrets buying — short horizon, refundable inside a review window, no counter pressure at claim. Catchfall is the income-side analogue: payments keep moving in the months earned income stops.
Four facts on the page before they sign.
Each is named on the declaration page, not buried in a clause. The cover lines borrow the same labels you already see on the storefront — consistency for both sides of the desk.
- A published monthly cap, per debtThe buyer sees the worst-case monthly payout before they sign. No "up to" formulation, no discretionary re-rating at claim.
- A fixed term they pick at sign-upKnown number of months named in the policy — not "up to" or "as needed." The buyer multiplies the cap by the term and knows the exposure.
- Refundable review windowCancel inside the named window for a full premium refund. No cancellation penalty, no "see attached endorsement" carve-out.
- Plain-language exclusions on the pageVolunteer resignation, termination for cause, and pre-existing-condition carve-outs are spelled out — long-established industry norms, written from the borrower side for once.
Three steps. Same as the warranty, same as the GAP.
- 01
Price in plain numbers
Pull the buyer's loan amount, the term, and the cover line — show the cap and the premium per $1,000 in a single card, on the desk.
- 02
Present at the desk
Side-by-side with the warranty, the SiriusXM, and the GAP — same conversation, same "would you like to add this?" beat, no new pitch script required.
- 03
Buyer signs on the spot
Cover is never auto-attached at signing. The buyer opts in, the policy writes the same day, the servicer gets the same cover terms they would have reviewed.
No auto-bundling, no teaser rates, no CFPB complaint.
Payment-protection insurance has a decade of CFPB-action history behind it. The pillars that kept pulling shops into complaints were auto-bundling at signing, opaque carve-outs, and lock-in windows that didn't refund. Catchfall is built the opposite way — three guarantees, written into the contract, the same on every line.
One inbox. Five fields. The same reply you'd want on a real desk.
Tell us the loan book, the credit-buying flow you already run, and what's stopping you from attaching Catchfall today. We read every one — first reply comes from the founder's inbox, not a sequence.