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Hutsy

We Cover Your Bills, You Pay Us Back Later.

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Hutsy notifies you before a bill is due and pays it for you if your balance is low.

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How Hutsy works

Link your bank account, and Hutsy will automatically track your bills and subscriptions for you.

Get notified before your bills are due, and if your balance is low, we’ll offer to cover them for you.

Tap to confirm, we’ll pay your bill directly—repay us when you can.

Step 1 Step 1

Link your bank account, and Hutsy will automatically track your bills and subscriptions for you.

Step 2 Step 2

Get notified before your bills are due, and if your balance is low, we’ll offer to cover them for you.

Step 3 Step 3

Tap to confirm, we’ll pay your bill directly—repay us when you can.

Hutsy members save an average of $500 per year.

No more late payment fees!

Join thousands staying ahead of their bills with Hutsy

Get Started

Build Credit, Stay Ahead, Secure & In Control

Ahead

View all your bills and subscriptions in one place, so you always know what’s coming.

Secure

Securely connect to over 12,000 banks and credit unions, with bank-level encryption protecting your data.

Control

Hutsy pays your bill when you need it, so you never miss a due date.

control
hutsy credit builder

Build

Your Hutsy card is free, reloadable, and helps boost your credit score while you spend, with no credit checks or no interest.

The reviews speak for themselves

4.8

Star review from real Hutsy members

Hutsy spotted me $100 before my rent was due, saving me from an overdraft fee. This app is a lifesaver!

— JakeOnABudget 🇨🇦

I used to forget about my subscriptions, but Hutsy helped me cancel three I wasn’t using. Now I save $50 a month!

— SarahLovesSavings 🇺🇸

No more stressing about bills—Hutsy reminds me before they’re due and covers me if I’m short.

— JasonH22 🇺🇸

My bank charged me $35 every time I overdrafted. Hutsy stopped that before it could happen.

— EmmaT 🇨🇦

I was hit with multiple NSF fees every month. Hutsy’s Spot Advance saved me hundreds of dollars.

— Nathan_D 🇨🇦

I saved $400 a year just by canceling old subscriptions with Hutsy. So easy!

— BudgetQueen 🇺🇸

Hutsy covered my car payment when I was short. No late fees, no stress—just real help.

— SamInNYC 🇨🇦

I never realized how much I was wasting on forgotten subscriptions. Hutsy canceled them in seconds!

— JakeSaves 🇺🇸

The best part is knowing I won’t get hit with overdraft fees again. Hutsy has my back!

— TVAddict92 🇨🇦

I used to live paycheck to paycheck. Hutsy gives me breathing room to plan ahead.

— FinanciallyFree22 🇺🇸

"Hutsy covered my phone bill when my paycheck was delayed. No late fees, no problem!"

— DebtFreeSoon 🇺🇸

I used to pay for subscriptions I didn’t even use. Hutsy canceled them instantly and saved me $60 a month!

— TomTheSaver 🇨🇦

NSF fees were killing me. Hutsy covered me before my balance dropped—finally, some relief!

— SavvySpender 🇺🇸

I love that I can track all my bills in one place. No surprises, just control.

— ChloeOnABudget 🇺🇸

Hutsy has already saved me over $300 in overdraft fees. Best financial decision I’ve made!

— NoMoreWastedCash 🇺🇸

Hutsy spotted me $150 for groceries when my balance was low. No stress, no overdraft fees!

— JakeK 🇨🇦

I didn’t realize I was wasting over $500 a year on unused subscriptions—Hutsy canceled them instantly.

— AlexF 🇺🇸

Bills used to sneak up on me, but now Hutsy reminds me and covers me if I need it. Game changer!

— 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 tracks your bills and subscriptions, notifies you before payments are due, and pays your bill directly if your balance is too low. No interest, no credit checks—just peace of mind.

Hutsy securely connects to your bank through Plaid, detecting and categorizing your recurring bills and subscriptions. You’ll see all upcoming payments in one place and get notified before they’re due.

If you have a steady paycheck, Hutsy can pay your bill up to $250. We automatically deduct repayment on payday. No applications, no hassle—just a seamless way to stay ahead of your bills.
There’s no catch—if your balance is too low to cover a bill, Hutsy notifies you and offers to pay it before you get hit with late fees or overdrafts. No hidden fees, no stress.

Once you sign up for Hutsy, you’ll be able to activate your Credit Builder Card directly in the app. It only takes a few taps to get started.

Note: The Hutsy Credit Builder Card will launch in Q4 2025.

Who we are and why we care

At Hutsy, we believe no one should have to struggle just to keep up with their bills. We exist to help you stay ahead—spotting you cash before overdraft fees hit, keeping track of your bills, and canceling unwanted subscriptions effortlessly.

Your bank account should reflect smart choices, not unnecessary fees.

Tefari Bailey Hutsy CEO


That’s why we built Hutsy—to give you financial breathing room, eliminate unnecessary fees, and put you back in control of your money.

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

Hutsy

Hutsy Financial Privacy Policy

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Privacy Policy Effective Date: May, 2025

Hutsy Inc. (“Hutsy”, “we”, “us”, or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use the Hutsy platform, including our website, mobile app, and services (collectively, the “Platform”).
By using Hutsy, you consent to the practices outlined in this policy.

1. Information We Collect

We collect the following types of information:

  • Personal Information: Name, email address, phone number, date of birth, and postal address (when required).
  • Financial Information: Bank account details and transaction history, recurring income, bill payments, and spending patterns.
  • Device & Usage Information: IP address, device type, browser, operating system, app usage statistics, and crash logs.
  • Third-Party Integrations: Information collected via partners (e.g., Plaid) to securely access financial data.
2. How We Use Your Information

We use your information to:

  • Monitor upcoming bills and detect low balances.
  • Notify you about eligible bill coverage opportunities.
  • Pay bills on your behalf when authorized.
  • Schedule and collect repayments.
  • Provide customer support.
  • Improve and optimize our app and services.
  • Comply with legal obligations.
3. How We Share Information

We do not sell your personal information. We may share information with:

  • Service Providers: Payment processors, cloud services, and other vendors that help operate our Platform.
  • Bank Data Aggregators: Partners like Plaid to securely access your financial accounts.
  • Lending or Financial Partners: For underwriting or reporting purposes.
  • Law Enforcement or Regulators: When required by law.
  • Buyers/Investors: If Hutsy is involved in a merger, acquisition, or other business transaction.
4. Your Choices and Rights

Depending on your jurisdiction (e.g., under GDPR, PIPEDA, or CCPA), you may have the right to:

  • Access or update your information.
  • Request deletion of your data.
  • Object to or limit certain types of data processing.
  • Withdraw consent at any time (if applicable).

To exercise your rights, contact us at contact@hutsy.com.

5. Data Security

We use industry-standard encryption and secure infrastructure to protect your personal and financial data. However, no system is 100% secure, so we encourage you to use strong passwords and keep your login credentials confidential.

6. Data Retention

We retain your data only as long as necessary to:

  • Provide our services.
  • Comply with legal and regulatory requirements.
  • Resolve disputes and enforce agreements.

You may request deletion of your account and data at any time, subject to legal obligations.

7. Children’s Privacy

Hutsy is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.

8. International Transfers

Your information may be stored or processed in Canada, the United States, or other jurisdictions where our partners or service providers operate.

9. Changes to This Policy

We may update this Privacy Policy from time to time. If we make significant changes, we’ll notify you via email or through the app. Continued use of the Platform after changes are posted constitutes acceptance of the updated policy.

10. Contact Us

If you have any questions about this policy or how we handle your data, please contact us at:
📧 contact@hutsy.com
🌐 www.hutsy.com

Hutsy

Hutsy Financial Terms of Service

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Terms of Service Effective Date: May, 2025

Welcome to Hutsy! These Terms of Service (“Terms”) govern your use of the Hutsy website and mobile application (collectively, the “Platform”), operated by Hutsy Inc. (“Hutsy”, “we”, “us”, or “our”).
By using Hutsy, you agree to these Terms. If you do not agree, do not use our services.

1. Eligibility

  • At least 18 years old
  • A resident of Canada or the United States
  • Able to form a legally binding agreement
2. Services Provided

Hutsy provides financial tools including:

  • Bill monitoring and coverage when your balance is low
  • Subscription tracking and cancellation features
  • Notifications about upcoming payments
  • Optional financial benefit services for employers (if applicable)

Note: Hutsy does not issue loans. Instead, we directly pay your approved bills and schedule repayment.

3. Account Registration

To use Hutsy, you must:

  • Create an account with accurate and current information
  • Connect your bank account using a secure third-party service (e.g., Plaid)
  • Keep login credentials secure

You are responsible for all activity under your account.

4. Fees

Hutsy charges:

  • Monthly Subscription: $9.99 CAD/USD (based on your region)
  • Service Fee: 5% on bills we cover on your behalf

All fees are non-refundable unless required by law.

5. User Responsibilities

You agree to:

  • Use Hutsy only for lawful purposes
  • Provide accurate financial and billing data
  • Repay covered bills on the agreed schedule
  • Not use Hutsy for fraud or misrepresentation
6. Bill Coverage Criteria

You may receive notifications for bill coverage if:

  • You have active recurring income
  • Your card is valid and not expiring within 3 months
  • Your Hutsy subscription is paid
  • You are not currently in default or behind on payments

We reserve the right to deny coverage at our discretion.

7. Cancellations & Refunds

You can cancel your membership at any time via the app:
Settings → Membership → Cancel Membership

Refunds are generally not provided unless legally required. If requested, we may process refunds to your original payment method within 10 business days.

8. Termination

We may suspend or terminate your account if you:

  • Violate these Terms
  • Engage in fraudulent or abusive activity
  • Fail to repay Hutsy-covered amounts
9. Limitation of Liability

Hutsy is not liable for:

  • Missed payments not caused by Hutsy
  • Bank errors or third-party service failures
  • Any indirect or consequential damages

Maximum liability is limited to the total fees paid by you in the past 12 months.

10. Privacy

Your personal and financial information is handled in accordance with our Privacy Policy.

11. Changes to Terms

We may update these Terms at any time. Continued use of Hutsy after changes means you accept the updated Terms.

12. Contact

If you have questions, contact us at:
📧 contact@hutsy.com