Even Staff


Coding Bootcamps


As long as there are computers and software, as long as there is the Internet, there will be code. The recent tech boom in the United States has led to the creation of roughly 5 million jobs in computing, according to a 2015 Course Report study, and as the economy continues to improve post-2008 financial crisis, more and more employers are looking for people fluent in coding languages. President Barack Obama himself has gone on the record to stress the importance of learning to code, especially at a young age. And with the 2015 TechHire initiative, the president’s incentivized the tech industry to create accessible pathways to well-paying jobs in the tech field.


One facet of TechHire is the focus on “coding bootcamps.” These bootcamps are accelerated courses teaching beginners and developing experts in coding, and average 10 to 12 weeks. Coding bootcamps (or learning accelerators) have quickly become a popular resource for building fluency in coding languages. Course Report, a group that reviews coding bootcamps and other accelerated learning programs, showed immense growth in the number of these training academies since 2013, when there were only 33 organizations with full-time courses. By 2014, there were 43 schools that boasted almost 6,000 graduates, an apparent 175 percent increase from the previous year, Code Report reveals. “Since we put that report together, I can think of 40 programs that have launched,” says the founder of Course Report, Adam Lovallo. “I expect that the growth is going to be really, really strong in the next report. I don’t know if it’s a 180 or 200 percent number, but it wouldn’t shock me if that turns out to be the case.” Most of these programs—App Academy, Dev Bootcamp, General Assembly, and Bloc, for instance—offer coursework in development, focusing on the more common programming languages, such as Ruby on Rails, Javascript, and HTML5. General Assembly, and others, offers more detailed tracks, moving on from development to data science, marketing, and more. Of course, a contributing factor to what bootcamps have gained so much momentum is tied to a relatively scarce job market and the growing tech industry. A major problem facing millennials today, however, is the overwhelming burden of student loans, and a job market that makes it difficult to pay them back quickly. But the relatively short-time investment coding bootcamps require, as well as growing regard from employers for the programs, can be beneficial to individuals trying to navigate their debt while also trying to build a stable, lucrative, and fun career.


Coding bootcamps can be an educational supplement or addition to traditional schooling, costing about $3,000 to $21,000 for the intensive programs—although they average about $10,000 according to Course Report. Despite the price being considerably lower than a college tuition it’s still nothing to scoff at. What if you don’t have those funds available immediately? How would one set off on this education path without adding to their already existing debt? Some coding bootcamps offer limited scholarships, but they rarely put a dent in the average tuition rate. What if you’ve exhausted your options? All hope is not lost. To give you a better idea of how to finance one of these coding bootcamps, we’ve compiled a short list of some of the top alternative lenders who can help underbanked prospective students pay for their tech education.

Affirm Students can borrow from for 12-,15-, and 18-month periods, with rates that range from 6% to 20% APR based on credit worthiness. Led by Paypal co-founder Max Levchin, Affirm is partnered with General Assembly, Bloc, and Dev Bootcamp. They offer deferral  for the first six months of study while students can focus on their training and finding work.


Earnest The first lending startup to target bootcamps, Earnest also offers one-, tw0-, or three- year financing options for students, local and international, looking to borrow. The rates fall at 5%, 6%, and 7% APR, respectively. Earnest is partnered with DevMountain, General Assembly, Code Fellows, and StartUp Institute, and they offer a three-month deferment period.


Pave The New York-based startup, Pave, offers tw0- or three-year fixed-rate, merit-based loans at rates between 7% and 15% depending on the borrower. The alternative lender connects ambitious talent with investors who can invest in their loans. Pave has secured partnerships with General Assembly, RefactorU, and DevBootcamp. The startup offers a three-month deferment period. Upstart Founded by former Google employees, Upstart is a alternative lending service that offers low interest, fixed-rate loans over a three-year period—with rates as low as 4.7% APR. Instead of simply looking at a person’s FICO score, Upstart takes other factors into consideration, such as education, areas of study, and job history. They are partnered with most major coding bootcamps, including General Assembly, DevBootcamp, Launch Academy, Starter League, Code Fellows, Coder Camps, and Metis. If you’re interested in starting your career in the tech industry, coding bootcamps may be the way to go. Everybody’s financial needs vary, but it should add some peace of mind to know that there are plenty of lending startups out there to help give prospective bootcamp students a fair shot. Do your research before applying, and figure out which lender is right for you. With coding bootcamp alumni reporting an average 40% increase in salary, you’ll be paying back those loans in no time!

Disclamer: The material provided on this site is not intended to provide legal, investment, or financial advice or to indicate the suitability of any Even Financial product or service to your unique circumstances. For specific advice about your unique circumstances, you may wish to consult a qualified professional. Any information or statistical data sourced by Even Financial through hyperlinks, from third-party websites, are provided for informational purposes only. Although we promote products and services form our partners, our opinions are our own.

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Goldman Sachs-backed Even Financial, a digital matchmaker between banks and customers, just bought an insurance startup as life insurers are seeing policy applications boom

Even Financial has acquired LeapLife, a leading insurtech platform. The addition of LeapLife allows Even to immediately commence its insurance capabilities, aimed at simplifying and enhancing the way consumers search, compare, and get matched with insurance policies (LeapLife’s existing platform will continue to operate from leaplife.com). Business Insider wrote an article about it, interviewing our CEO and Founder Phill Rosen.

Even Financial Launches Insurance Offerings With Strategic Acquisition of LeapLife, a Leading Insurtech Platform

Pioneering B2B Fintech Expands its Industry-Leading Financial Services Monetization Platform to Help Insurance Carriers Find and Connect with Consumers New York, New York – April 22, 2020 – Even Financial (Even), the leading API for financial services search, acquisition, and monetization, announced today that it will be launching services for the insurance industry through the acquisition of LeapLife, an insurtech platform and digital life insurance agency.  The addition of LeapLife allows Even to immediately commence its insurance capabilities, aimed at simplifying and enhancing the way consumers search, compare, and get matched with insurance policies (LeapLife’s existing platform will continue to operate from leaplife.com). Even and LeapLife now offer the only full end-to-end, multi-carrier digital life insurance marketplace experience. Over the coming weeks, Even will further integrate LeapLife’s technology and insurance offering into its industry-leading API, making turnkey insurance marketplaces programmatically available to a vast network of channel partners — when and where their consumers are most in need — while also enabling the company to expand to other insurance sectors, including homeowners, renters and auto insurance. This adds to Even’s peerless breadth of real-time, personalized financial product offers — an expansive suite that already includes loans, savings, credit cards, and more.  “Even’s goal to evolve how financial institutions find and connect with consumers is not limited to loans or credit cards, but applicable to all financial products and services, including insurance,” said Phill Rosen, Even Founder and CEO. “Despite its importance, purchasing life insurance is often an overwhelming and inconvenient experience. With more than $600 billion in premiums paid each year, and only 6% of policies sold completely online, we see tremendous opportunities to help modernize the life insurance industry and offer solutions that solve challenges for consumers and carriers alike.”  LeapLife is an established insurtech platform and digital life insurance agency that utilizes data science, deep underwriting knowledge, and proprietary technology, enabling consumers to apply for instant-decision life insurance policies with real-time quotes. LeapLife works with many best-in-class insurance carriers to offer consumers a seamless experience from beginning to end. This approach made Even and Leaplife a perfect match. As a digital insurance broker, LeapLife offers personalized life insurance recommendations based on a consumer’s unique needs. Paired with the Even API, which enables customer acquisition for insurance to be native and programmatic, consumers benefit from a more streamlined, transparent, and highly personalized experience when shopping for life insurance.  Just as Even’s 2018 acquisition of Birch (the award-winning credit card rewards app) allowed the company to accelerate its expansion into credit cards, the addition of LeapLife will similarly put Even at the forefront of consumer insurance offerings.  Charles Svirk of MassMutual Ventures, an investor in Even, said “The Even and LeapLife teams share a vision that the future of insurance acquisition will rely on the power of data-driven, programmatic distribution. We are thrilled to support them as their industry experience, impressive technology, and trusted relationships will help scale Even’s insurance offering and build partnerships to provide these critical innovations in insurance acquisition.” The Even API and platform solve significant, long-standing pain points in financial services acquisition by seamlessly connecting supply and demand. Even has continued its rapid growth trajectory in 2020, surpassing over $1.5 billion in credit issued through its API and expanding its platform to over 400 partners. Even has secured over $55 million in funding from major financial institutions, venture capital firms, and fintechs to back its goal to evolve the financial services acquisition ecosystem.   About Even Financial Founded in 2015, Even Financial is a B2B fintech company that is transforming the way financial institutions find and connect with consumers. By seamlessly bridging financial institutions (including American Express, Goldman Sachs, and SoFi) and channel partners (such as TransUnion and The Penny Hoarder) via its industry-leading API, Even turns any consumer touchpoint into an ROI-driven, fully customizable, programmatic acquisition source for financial product offers with full compliance, security, and scale across loans, savings, credit cards, insurance, and more. Even is backed by leading financial services firms and VCs including American Express Ventures, Canaan Partners, Citi Ventures, F-Prime Capital (Fidelity), Greatpoint Ventures, Goldman Sachs, LendingClub, and MassMutual Ventures. Even is the leading search, comparison, and recommendation engine for financial services. Media Contact: media@evenfinancial.com

Even CEO/Founder Phill Rosen quoted in Protocol Braintrust Newsletter

Our CEO and Founder Phillip Rosen was included in the most recent Protocol Braintrust newsletter along with answers from some thought leaders from Plaid, Slack, and DuckDuckGo!