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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.

Get matched with lenders in seconds

Apply once — we instantly send your application to 50+ trusted lenders. Compare personalized offers side-by-side with no impact on your credit score.

Pick your offer and get funded

Review your pre-approved offers, choose the best rate and term, and accept directly through Hutsy. Fast, simple, and transparent — funds in your account in as little as 24 hours.

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Stay on top of your 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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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 credit moving in the right direction.

The reviews speak for themselves

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 🇺🇸
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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 👇

One Application 50+ Lenders

Apply once — we instantly send your application to 50+ trusted lenders. Compare personalized offers side-by-side with no impact on your credit score.

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Your path to prime · Your path to prime ·
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Have a question?

Hutsy is your financial assistant built to help you move from subprime to prime credit. Hutsy analyzes your bank credit data, gives you clear steps to improve, and connects you to pre-approved offers from over 50 trusted lenders—all in one place.

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.

Hutsy’s mission is simple: to help you qualify for affordable credit. Millions of Americans pay higher interest just because their credit profile isn’t optimized. Hutsy uses data and AI to close that gap—helping you build, repair, and maintain Prime-level credit over time.

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.

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.

© 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: October 23, 2025

Hutsy Financial Corp., a Delaware corporation (“Hutsy,” “we,” “our,” “us”), values your privacy. This policy explains our data practices for users located in the United States.

1. Information Collected

We collect the same categories of information as previously described, including account, financial, usage, and communications data. All information is collected with your consent through secure partners such as Stripe, Plaid, and credit bureaus.

2. Use of Information

We use your data to:

  • Provide AI-powered credit guidance and monthly reports.
  • Connect you with lenders for pre-approved offers.
  • Improve service quality and prevent fraud.
3. Data Sharing

We share your data only with service providers and lenders you authorize. We do not sell or share your data for marketing without consent.

4. Your Rights

Depending on your state, you may have rights under CCPA/CPRA, VCDPA, or similar laws to access, correct, delete, or limit use of your data. Submit requests via contact@hutsy.com.

5. Security & Storage

Data is encrypted and stored securely in the U.S. or Canada. Only authorized personnel can access it.

6. Children’s Privacy

Our services are not directed to individuals under 18.

7. Contact Us

Questions or requests? Email contact@hutsy.com.

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Terms of Service

Last Updated: October 23, 2025

1. Agreement

By accessing or using Hutsy’s website, dashboard, or AI Co-Pilot (“Services”), you agree to these Terms.

2. Eligibility

You must be 18 or older and reside in the United States.

3. Subscription & Payment

Monthly fee of $10 USD, billed via Stripe.

Subscription renews automatically until cancelled.

No refunds once a billing period has begun.

4. Nature of Service

Hutsy provides AI-based educational tools and connects users to loan opportunities from 50+ lending partners.

Hutsy is not a lender and does not guarantee approval or specific loan terms.

5. User Obligations

You agree to use the Services lawfully, provide accurate information, and safeguard your credentials.

6. Disclaimers

Hutsy offers guidance only and does not provide legal, financial, or credit repair services as defined by U.S. law. All use is “as is.”

7. Limitation of Liability

Hutsy shall not be liable for indirect, incidental, or consequential damages. Total liability is limited to fees paid in the preceding 6 months.

8. Termination

You may cancel anytime. We may terminate access for violations or non-payment.

9. Governing Law & Arbitration

These Terms are governed by the laws of Delaware. Any disputes shall be resolved by binding arbitration in accordance with the rules of the American Arbitration Association.

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