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Hutsy

Short on Cash?
We’re here to help.

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Borrow up to $15,000 — apply once we send it to 50+ lenders and you pick the offer you want.

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How Hutsy works

select-amount

Choose how much you’d like to borrow — from $100 up to $15,000.

loan offers from banks

See your approved offers from up to 50+ lenders.

get loan paid

Receive money fast, directly and securely.

Step 1 hutsy

Choose how much you’d like to borrow — from $100 up to $15,000.

Step 2 offers

See your approved offers from up to 50+ lenders.

Step 3 get loan-offers-from-banks

Receive money fast, directly and securely.

Hutsy members save an average of $500 per year.

Stay Ahead, Secure & In Control

Ahead

Apply once and get sent to 50+ trusted lenders, so you always know your best offers are just a tap away.

loan info
offer

Secure

Connect your bank with bank-level encryption — funds go directly into your account, safely and instantly.

Control

See all your loan offers in one place and stay in control by choosing the option that works best for you.

control

One Application → 50+ Lenders

Get access to offers even if you don’t have established credit

Get Started

The reviews speak for themselves

4.8

Star review from real Hutsy members

I applied in minutes and was instantly matched with a $5,000 loan offer. The process was way easier than going bank to bank!

— JakeOnABudget 🇺🇸

I didn’t think I’d qualify, but Hutsy connected me with multiple lenders. I picked the best rate and had funds in my account the next day.

— SarahLovesSavings 🇺🇸

Super simple — I selected my loan amount, saw offers right away, and chose the one that fit my budget.

— JasonH22 🇺🇸

I love that I could compare offers from different lenders all in one place. It saved me so much time.

— EmmaT 🇺🇸

The approval came back in seconds. I didn’t have to fill out a dozen applications — just one.

— Nathan_D 🇺🇸

Funds hit my account within hours after I accepted the offer. Exactly when I needed it most.

— BudgetQueen 🇺🇸

I felt in control the whole way — I chose the lender, the terms, and where the money was sent.

— SamInNYC 🇺🇸

The app is straightforward and transparent. No hidden fees, just clear loan offers.

— JakeSaves 🇺🇸

I was able to go from application to approval in less than 10 minutes. Honestly the smoothest loan experience I’ve had.

— TVAddict92 🇺🇸

I was stressed about covering bills, but Hutsy helped me secure a $2,500 loan in less than a day.

— FinanciallyFree22 🇺🇸

"The process was fast and painless — just a few taps and I had multiple offers to choose from."

— DebtFreeSoon 🇺🇸

I finally felt like I had options instead of getting declined everywhere else.

— TomTheSaver 🇺🇸

Hutsy made borrowing simple. I picked the amount I needed and saw lenders willing to work with me.

— SavvySpender 🇺🇸

The funds went straight into my bank account, and I could track everything in the app.

— ChloeOnABudget 🇺🇸

I liked that Hutsy checked back each week until I was approved. It showed they were looking out for me.

— NoMoreWastedCash 🇺🇸

Getting matched with lenders through Hutsy saved me from applying on a dozen different websites.

— JakeK 🇺🇸

I used Hutsy when my car broke down, and the loan came through faster than I expected.

— AlexF 🇺🇸

Seeing multiple offers side by side gave me confidence I was getting the best deal.

— BudgetBenny 🇺🇸
Eye

Built for privacy. Your finances, fully private and secure.

Hutsy is built with your privacy in mind. Your financial data stays protected with industry-standard encryption and is never sold, tracked, or shared without your consent. No ads, no gimmicks—just tools to help you save money and stay in control.

Hutsy is in the process of becoming a B Corporation meaning we’ll legally be committed to putting your privacy and well-being first.

Watch Lip explain how Hutsy spots you when needed to pay your bills below 👇

Have a question?

Hutsy connects you to a network of over 50 trusted lenders. You select how much you’d like to borrow, review your personalized offers, and choose the loan that works best for you. Funds are then deposited directly into your bank account.

You can apply for personal loans, debt consolidation loans, and small-dollar cash advances. Loan amounts range from as little as $50 to as much as $15,000 depending on your approval.

Most approvals happen within seconds after submitting your application. If no offers are available right away, Hutsy will automatically re-check each week and notify you when a new offer is available.

Yes. Hutsy uses bank-level encryption to connect your account securely, and your data is only used to match you with loan offers.

Yes. Once approved, you select the bank account you’d like the funds sent to, and the money is deposited directly.

If no offers are available right now, Hutsy will continue to check with our lending partners on your behalf. Most members receive an approval within a few weeks.

Who we are and why we care

At Hutsy, we believe everyone deserves access to fair credit without the stress of endless applications or hidden fees. We exist to help you move forward—connecting you instantly to 50+ trusted lenders, showing you clear loan options, and giving you the power to choose what’s right for you.

Your bank account should reflect opportunity, not obstacles.

Tefari Bailey Hutsy CEO

That’s why we built Hutsy—to open the door to affordable credit, simplify financial decisions, and put you back in control of your future.

Sort your finances out · Sort your finances out ·
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© 2025 Hutsy. All Rights Reserved.

Terms & Privacy

One app to negotiate lower bills, track subscriptions, and save effortlessly!

Download the app for iOS or Android below.

Download the app for iOS or Android below, and get $250 when you sign up with our partner bank. Conditions apply

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Privacy Policy

Last Updated: September 4, 2025

Hutsy Financial (“Hutsy,” “we,” “our,” or “us”) values your privacy. This Privacy Policy explains how we collect, use, and protect your personal information when you use our mobile application, website, and related services (“Services”). By using Hutsy, you consent to the practices described in this Privacy Policy.

1. Information We Collect

Information You Provide

  • Name, email address, phone number, and date of birth.
  • Payment details when you pay your annual membership fee.
  • Information submitted during loan applications (e.g., income, employment, address).

Information Collected Automatically

  • Device information (model, operating system, unique identifiers).
  • Usage data (app interactions, features used).
  • Log data such as IP address, browser type, and access times.

Information from Third Parties

  • Bank account and transaction data via secure providers like Plaid.
  • Loan application and status information from our lending partners.

2. How We Use Your Information

We use your information to:

  • Provide and improve Hutsy’s services.
  • Connect you with third-party lenders for loan offers.
  • Send you notifications about upcoming bills, subscriptions, and loan status.
  • Process your membership payments.
  • Detect and prevent fraud or unauthorized use of the platform.
  • Comply with legal and regulatory requirements.

3. Sharing Your Information

We may share your information with:

  • Lending Partners to process loan applications and approvals.
  • Service Providers such as Plaid (for bank connectivity) and Stripe (for payments).
  • Analytics Providers to understand app usage and improve performance.
  • Regulators or Law Enforcement if required by law.

We never sell your personal information to third parties.

4. Data Security

  • We use bank-level encryption to protect your financial data.
  • Access to your information is limited to authorized personnel and service providers.
  • While we take reasonable measures to protect your data, no system is 100% secure.

5. Data Retention

  • We retain your information as long as your account is active.
  • After cancellation, we may retain some data as required by law (e.g., financial transaction records).

6. Your Rights

Depending on your location, you may have the right to:

  • Access the personal data we hold about you.
  • Request corrections or updates to your information.
  • Request deletion of your data, subject to legal obligations.
  • Opt out of marketing communications.

To exercise these rights, contact us at support@hutsy.com.

7. Children’s Privacy

Hutsy is not intended for individuals under 18. We do not knowingly collect information from children.

8. Changes to This Policy

We may update this Privacy Policy from time to time. If changes are material, we will notify you in the app or by email. Continued use of Hutsy after changes take effect constitutes acceptance of the revised Privacy Policy.

9. Contact Us

If you have questions about this Privacy Policy or how your data is handled, please contact us at:

Hutsy Financial
Email: support@hutsy.com
Website: www.hutsy.com

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Terms of Service

Last Updated: September 4, 2025

Welcome to Hutsy. These Terms of Service (“Terms”) govern your use of the Hutsy mobile application and related services (“Hutsy,” “we,” “our,” or “us”). By creating an account or using Hutsy, you agree to these Terms. Please read them carefully.

1. Eligibility

You must be at least 18 years old and a resident of the United States to use Hutsy. By using our services, you confirm that you meet these requirements.

2. Membership and Subscription Fee

Hutsy requires an annual membership fee of $120 USD, charged at the time of signup.

This subscription fee is non-refundable, even if you cancel your membership before the end of the subscription period.

Your membership will remain active for the full 12 months from the date of payment.

3. Services Provided
  • Bill & Subscription Management: Hutsy allows you to connect your bank account, view recurring bills and subscriptions, receive payment reminders, and request subscription cancellations.
  • Loan Marketplace: Hutsy partners with third-party lenders to provide access to personal loans, debt consolidation loans, and small-dollar cash advances. Loan approval, terms, and funding are determined by the lender, not Hutsy.
  • No Lending by Hutsy: Hutsy does not issue loans, set loan terms, or guarantee approval. We act as a platform to connect you with lending partners.
4. Loan Offers and Approvals

Loan offers are provided directly by third-party lenders.

Approval decisions, loan terms, and repayment obligations are determined solely by the lender.

Hutsy is not responsible for changes to loan terms, interest rates, or repayment schedules.

5. User Responsibilities

You agree to provide accurate and up-to-date information when creating an account or applying for a loan.

You are responsible for maintaining the confidentiality of your login credentials.

You must not use Hutsy for fraudulent or illegal purposes.

6. Data Security

Hutsy uses bank-level encryption and third-party providers (such as Plaid) to securely connect your bank account. By using Hutsy, you consent to the sharing of your financial information with our service providers and lending partners as necessary to deliver services.

7. Cancellation and Termination

You may cancel your Hutsy membership at any time in the app settings.

Canceling your membership will stop future renewals, but your current annual fee is non-refundable.

Hutsy reserves the right to suspend or terminate your account if we detect misuse, fraud, or violation of these Terms.

8. Disclaimer of Warranties

Hutsy provides services on an “as-is” and “as-available” basis. We make no guarantees about loan approvals, loan amounts, or financial outcomes.

9. Limitation of Liability

To the fullest extent permitted by law, Hutsy shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services.

10. Changes to Terms

We may update these Terms from time to time. If we make material changes, we will notify you through the app or by email. Continued use of Hutsy after changes take effect constitutes acceptance of the new Terms.

11. Contact Us

If you have questions about these Terms, please contact us at:

Get early access!

Join the waitlist to get early access to Hutsy — one application, 50+ lenders, real offers in seconds.