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Meet Hutsy — Your AI Financial Assistant

Hutsy helps you make smarter money moves, and matches you to pre-approved loans up to $15,000.

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Powered by 50+ lenders

MoneyLion

MoneyLion

A leading all-in-one financial platform helping users build credit, save, and invest smarter.

Avant

Avant

A trusted online lender offering personal loans and credit solutions with fast, transparent service.

Citibank

Citibank

A global financial institution providing world-class banking, lending, and wealth management services.

Chime

Chime

A modern neobank delivering fee-free banking and innovative financial tools for everyday users.

SoFi

SoFi

A digital finance leader empowering members with lending, investing, and banking solutions for every stage of life.

Brigit

Brigit

Brigit is a financial app that provides cash advances and budgeting tools to help you avoid overdraft fees.

AIG

AIG

AIG is a global insurer offering a wide range of financial and insurance products, including life insurance, etc.

Money talks. Hutsy talks back

Text Hutsy like you would a friend — it tells you what to pay, when to save, and how to keep your finances moving in the right direction.

Build better credit with Hutsy

Hutsy tracks your score, finds what’s holding it back, and guides you with simple steps to build stronger credit — with no impact or hidden fees.

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The reviews speak for themselves

I always knew my credit was bad, but I never knew what to do. Hutsy told me exactly what to pay and when, and I finally saw my score move in the right direction.

— 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 🇺🇸

Seeing the reason behind every recommendation made a huge difference. I paid down the right balance first and my score went up within the same month.

— 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 🇺🇸

Other apps just show your score. Hutsy actually explains what’s holding it back and how to fix it.

— SamInNYC 🇺🇸

Hutsy caught subscriptions I completely forgot about. I didn’t realize how much money I was leaking until it pointed it out.

— 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 🇺🇸

"I didn’t have to dig through statements or spreadsheets. Hutsy just told me where I was overspending and what to cut."

— DebtFreeSoon 🇺🇸

It didn’t feel like an app — it felt like someone actually paying attention to my situation.

— 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 🇺🇸

What I liked most is that it didn’t push me into a loan. It helped me get ready so I could choose better options.

— 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 is an AI-powered financial assistant that helps you get matched to pre-approved loan options and improve your credit over time. By analyzing your money and credit data, Hutsy gives clear, personalized guidance on what to do next—so you can make smarter financial decisions and qualify for better options.

To get started, you securely connect your bank and credit accounts so Hutsy can understand your financial picture. From there, Hutsy communicates with you via WhatsApp, sharing personalized insights, reminders, and clear next steps to help you improve your credit, save money, and access better loan options.
No—Hutsy is not a direct lender. Instead, we partner with a network of 50+ trusted lenders (including banks and fintechs) to match you with the best available loan offers based on your profile. You’ll see personalized options without impacting your credit score.
If you’re denied, Hutsy steps in to help you understand why and what to fix next. We’ll guide you through personalized actions—like lowering utilization or improving payment history—so you can qualify next time. The goal is progress, not rejection.
Your privacy is our priority. Hutsy never stores or sells your financial data for AI training. All credit and banking information is securely processed through trusted partners like Plaid and leading credit bureaus. The AI uses generalized data to provide safe, educational guidance—not direct financial decisions.
The best way to reach us is by email at contact@hutsy.com Our team typically responds within 1 business day.

Your credit data updates once per month. Each refresh shows how your score has changed, what factors improved or declined, and what next steps Hutsy recommends to keep you moving toward Prime.

© 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

Effective Date: December 28, 2025

This Privacy Policy explains how Hutsy collects, uses, and protects your information.

1. Information We Collect

Personal Information

  • Name
  • Email address
  • Phone number (including WhatsApp number)

Financial Information

  • Bank account data
  • Transaction history
  • Credit report data

This information is collected securely through trusted third-party providers.

2. How We Use Your Information

We use your information to:

  • Deliver personalized financial insights and recommendations
  • Send alerts and notifications via WhatsApp
  • Improve product performance and accuracy
  • Communicate service-related updates
  • Maintain security and compliance
3. WhatsApp Communications

By using Hutsy, you consent to receiving messages via WhatsApp, including:

  • AI-generated financial guidance
  • Alerts and reminders
  • Service updates

Standard messaging rates from your carrier may apply.

4. Data Sharing

Hutsy does not sell your personal data. We may share information with:

  • Service providers required to operate the platform
  • Financial partners needed to deliver features
  • Legal or regulatory authorities if required by law
5. Data Security

We use industry-standard security measures to protect your information. No system is completely secure, and we cannot guarantee absolute protection.

6. Your Rights

You may request to:

  • Access your data
  • Delete your account
  • Disconnect linked accounts

Requests can be made by emailing contact@hutsy.com.

7. Data Retention

We retain information only as long as necessary to provide the Services or meet legal obligations.

8. Changes to This Policy

We may update this Privacy Policy periodically. Continued use of Hutsy means you accept the updated policy.

9. Contact

Privacy questions can be sent to: contact@hutsy.com

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Terms of Service

Effective Date: December 28, 2025

Welcome to Hutsy (“Hutsy,” “we,” “our,” or “us”). By accessing or using Hutsy’s services, including our AI financial assistant, website, and messaging experiences (collectively, the “Services”), you agree to these Terms of Service (“Terms”). If you do not agree, do not use the Services.

1. What Hutsy Is

Hutsy is a personal financial guidance platform that analyzes user-provided financial data to deliver personalized insights, recommendations, and alerts related to credit, spending, bills, and financial decisions.

Hutsy is not a bank, lender, credit bureau, or financial advisor. We do not guarantee credit score changes, loan approvals, or financial outcomes.

2. Eligibility

You must be at least 18 years old and legally able to enter into a binding agreement to use Hutsy.

3. WhatsApp Communication Requirement

Hutsy primarily communicates with users through WhatsApp. By using Hutsy, you agree that:

  • You have an active WhatsApp account and phone number.
  • You consent to receiving messages from Hutsy and its AI Copilot via WhatsApp.
  • You are responsible for maintaining access to your WhatsApp number.

If your WhatsApp number becomes inactive or unreachable, core features of the Service may not function.

4. Account Registration & Data Connections

To access Hutsy’s core features, you must create an account and securely connect your bank and/or credit accounts through third-party providers. You authorize Hutsy to access, analyze, and process this data solely to provide personalized guidance, alerts, and insights.

5. Subscriptions, Billing & Cancellation

Subscription Fees: Hutsy is a paid subscription service. Pricing is disclosed at signup and billed on a recurring basis.

No Refund Policy: All subscription fees are non-refundable, including unused time or partial billing periods.

Cancellation: To cancel your subscription, you must email contact@hutsy.com. Cancellations must be submitted before your next billing date to avoid future charges. Access continues through the end of the current billing period.

6. No Guarantees

Hutsy provides recommendations based on available data. We do not guarantee credit score improvements, loan eligibility, savings, or the accuracy of third-party data. All financial decisions remain your responsibility.

7. Third-Party Services

Hutsy integrates with third-party providers for data aggregation and lending. We are not responsible for their availability or accuracy; your use of those services is subject to their respective terms.

8. Acceptable Use

You agree not to misuse the Services or use Hutsy for unlawful purposes. We may suspend or terminate accounts that violate these Terms.

9. Limitation of Liability

To the maximum extent permitted by law, Hutsy is not liable for financial losses, credit impacts, missed payments, or indirect damages arising from use of the Services.

10. Changes to These Terms

We may update these Terms from time to time. Continued use of Hutsy constitutes acceptance of any updates.

11. Contact

Questions about these Terms can be sent to: contact@hutsy.com

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