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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

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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: February 20th, 2026
Last Updated: February 20th, 2026

Hutsy Financial Corp. (“Hutsy,” “we,” “us,” or “our”) values your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the Hutsy mobile application, website, and related services (collectively, the “Services”).

By using Hutsy, you agree to the practices described in this policy.

1. Information We Collect

A. Information You Provide

  • Name
  • Email address
  • Phone number (if provided)
  • Account login credentials
  • Customer support communications

B. Financial Data (With Your Permission)

When you connect your accounts, we collect:

  • Bank account balances
  • Transaction history
  • Credit card balances and limits
  • Credit profile information (via third-party providers such as Plaid and Array)
  • Loan-related data when applicable

We do not store your banking credentials.

C. Automatically Collected Information

  • Device information
  • IP address
  • App usage data
  • Session duration
  • Interaction with notifications and chat
2. How We Use Your Information

We use your information to:

  • Provide AI-powered financial insights
  • Monitor financial data and generate alerts
  • Improve credit utilization, cash flow, and savings outcomes
  • Offer loan marketplace options (when applicable)
  • Process subscriptions and payments
  • Respond to support inquiries
  • Improve product functionality
  • Prevent fraud and enhance security
  • Comply with legal obligations

We do not sell your personal financial information.


3. AI & Automated Decision-Making

Hutsy uses artificial intelligence to analyze financial data and provide insights. Recommendations are based on available data and probabilistic modeling. Hutsy provides informational guidance only and does not guarantee financial outcomes.

Users remain responsible for all financial decisions.


4. Sharing of Information

We may share information with:

  • Service providers (e.g., Plaid, Array, Stripe, hosting providers)
  • Lending partners (only when you actively pursue loan options)
  • Legal authorities when required by law
  • Analytics providers to improve product performance

We do not sell personal data to third parties.


5. Data Security

We implement industry-standard security measures, including:

  • Encryption in transit (SSL/TLS)
  • Secure cloud infrastructure
  • Access controls
  • Monitoring for unauthorized activity

However, no system can guarantee 100% security.


6. Data Retention

We retain your information as long as your account remains active or as necessary to:

  • Provide services
  • Comply with legal obligations
  • Resolve disputes
  • Enforce agreements

You may request deletion of your account at any time.


7. Your Rights

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

  • Access your data
  • Correct inaccurate data
  • Request deletion
  • Withdraw consent
  • Opt out of certain communications

To exercise your rights, contact: support@hutsy.ca


8. Children’s Privacy

Hutsy is not intended for individuals under 18 years old. We do not knowingly collect data from minors.


9. Third-Party Links

Hutsy may contain links to third-party websites, including lending partners. We are not responsible for their privacy practices.


10. Changes to This Policy

We may update this Privacy Policy from time to time. Continued use of the Services after changes indicates acceptance of the revised policy.


11. Contact Us

Hutsy Financial Corp.
Email: contact@hutsy.com
Website: www.hutsy.com

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Terms of Service

Effective Date: February 20, 2026
Last Updated: February 20, 2026

These Terms of Service (“Terms”) govern your access to and use of the Hutsy mobile application, website, and related services (collectively, the “Services”) provided by Hutsy Financial Corp. (“Hutsy,” “we,” “us,” or “our”).

By creating an account or using the Services, you agree to these Terms. If you do not agree, you may not use the Services.

1. Eligibility

You must be at least 18 years old and legally capable of entering into binding agreements to use Hutsy.

By using the Services, you represent and warrant that you meet these requirements.

2. Nature of the Service

Hutsy is an AI-powered financial insights and monitoring platform.

Hutsy:

  • Analyzes user-provided financial data
  • Generates alerts and informational insights
  • Provides decision-support tools
  • Facilitates access to third-party lending partners

Hutsy is not:

  • A bank
  • A lender
  • A broker-dealer
  • A financial advisor
  • A fiduciary

All content provided is for informational purposes only. You remain solely responsible for your financial decisions.


3. No Financial, Legal, or Tax Advice

Hutsy does not provide investment, legal, tax, credit repair, or financial planning advice. Any insights, calculations, projections, or estimates are based on available data and probabilistic modeling.

We do not guarantee:

  • Credit score increases
  • Loan approval
  • Fee avoidance
  • Financial outcomes

You should consult licensed professionals before making financial decisions.


4. Account Connections & Data Access

When you connect financial accounts:

  • You authorize Hutsy to access financial data via third-party providers (e.g., Plaid, Array).
  • You confirm you have legal authority to connect those accounts.

Hutsy does not store your banking login credentials. You may disconnect accounts at any time.


5. Lending Marketplace

Hutsy may present loan or credit offers from third-party lending partners.

Important:

  • Hutsy does not originate loans.
  • Hutsy does not guarantee loan approval.
  • Lending terms are determined solely by the third-party lender.
  • Hutsy may receive compensation from lending partners.

You are responsible for reviewing all loan terms before accepting any offer.


6. User Responsibilities

You agree not to:

  • Use the Services for unlawful purposes
  • Attempt to reverse engineer the platform
  • Interfere with system security
  • Provide false or misleading information

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


7. AI Limitations

Hutsy uses artificial intelligence to analyze financial data.

AI-generated outputs:

  • May contain errors
  • May rely on incomplete or inaccurate data
  • Are probabilistic, not guaranteed

You acknowledge and accept these limitations.


8. Intellectual Property

All content, software, algorithms, branding, and materials within the Services are the property of Hutsy or its licensors.

You may not copy, modify, distribute, or exploit the platform without written permission.


9. Limitation of Liability

To the maximum extent permitted by law:

Hutsy shall not be liable for:

  • Financial losses
  • Credit score changes
  • Loan denials
  • Missed payments
  • System interruptions
  • Indirect or consequential damages

Your use of the Services is at your own risk.


10. Indemnification

You agree to indemnify and hold harmless Hutsy and its officers, directors, and employees from any claims arising from:

  • Your use of the Services
  • Your financial decisions
  • Your violation of these Terms

11. Termination

We may suspend or terminate your account if you:

  • Violate these Terms
  • Engage in fraudulent activity
  • Misuse the platform

You may terminate your account at any time.

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