Cushion

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Cushion was an AI-powered consumer finance tool that helped users navigate a complex financial system. It offered services like bank fee negotiation, BNPL management, and bill tracking before being acquired by LendingClub in 2025.

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At a glance

Pricing

Likely Not Free

Free tier

API

Skill level

Non-technical

About

What is Cushion?

Cushion, founded in 2016 by Paul Kesserwani, was an AI-powered consumer finance platform designed to help individuals manage their finances. Initially, it focused on using AI bots to negotiate bank fees on behalf of users, successfully refunding over $15 million in fees. The company later pivoted to address the growing complexity of Buy Now Pay Later (BNPL) services, building the industry's first structured BNPL data layer by processing over 30 million emails to reconstruct $300 million in loans. Cushion also developed features like a BNPL credit builder, bill calendar sync, and an inbox aggregator for comprehensive financial data. Acquired by LendingClub in April 2025, Cushion's technology and data are now integrated to enhance LendingClub's member engagement products.

Best used for

Ideal for individuals who needed to reduce financial costs by negotiating bank fees, manage fragmented Buy Now Pay Later loans, and track various bills and subscriptions. Especially valuable for those seeking to improve their financial health and build credit through BNPL repayments.

Common actions

negotiate bank fees

manage BNPL payments

track bills

build credit

aggregate financial data

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Capabilities

Key features

AI fee negotiation
BNPL data aggregation
BNPL credit builder
Bill calendar sync
Inbox financial aggregator

Target Audience

consumers with multiple bnpl accountsindividuals looking to improve creditfinancially-savvy individuals

Integrations

Not yet documented

Pricing & Plans

Likely Not Free

Not Disclosed

FAQs

What happened to Cushion?

Cushion was acquired by LendingClub in April 2025. Its technology, data, and select team members were integrated into LendingClub to enhance their member engagement products, particularly DebtIQ. The Cushion platform is no longer operational as a standalone service.

What financial problems did Cushion aim to solve?

Cushion initially focused on negotiating bank fees for consumers. Later, it addressed the challenge of managing fragmented Buy Now Pay Later (BNPL) loans and other recurring bills by aggregating data from email inboxes, providing a comprehensive financial overview and credit-building opportunities.

How did Cushion use AI?

Cushion utilized AI for several key functions, including building bots to negotiate bank fees with human agents at scale. It also employed machine learning to process millions of emails, extracting and structuring fragmented financial data to create the first BNPL data layer in consumer finance.

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