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Hutsy helps you improve your credit score, and matches you to pre-approved loans up to $15,000.

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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 20+ 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 20+ Lenders

Apply once — we instantly send your application to 20+ 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 20 trusted lenders—all in one place.

No—Hutsy is not a direct lender. Instead, we partner with a network of 20+ 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 Canadians 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. (“Hutsy,” “we,” “our,” “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your data when you use our website and services.

1. Information We Collect
  • Account information – name, email, phone number, and payment details collected through Stripe.
  • Credit & financial data – obtained through trusted third-party partners (e.g., Plaid and credit bureaus) only after you provide consent.
  • Usage data – login activity, browser type, device information, and interactions with our AI Co-Pilot.
  • Communication preferences – whether you choose text or WhatsApp for updates.
2. How We Use Your Information
  • Provide and personalize your Hutsy experience.
  • Display monthly credit updates and insights.
  • Send notifications, reports, and offers from our lender network.
  • Detect and prevent fraud or unauthorized access.
  • Comply with legal and regulatory requirements in Canada.
3. Sharing Information

We share limited data only with:

  • Service providers (Stripe, Plaid, credit bureaus) who process information on our behalf.
  • Lending partners when you request pre-qualified offers.
  • Regulatory authorities when legally required.

We do not sell or train AI models on identifiable user data.

4. Storage & Security

Data is encrypted in transit and at rest. We host data in Canada or the United States using certified providers. Access is restricted to authorized employees and partners only.

5. Your Rights

Under the Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial laws, you may:

  • Request access or corrections to your personal data.
  • Withdraw consent at any time (may limit service functionality).
  • File a complaint with the Office of the Privacy Commissioner of Canada.
6. Retention

We retain data only as long as necessary to deliver services or meet legal obligations, after which it is securely deleted.

7. Contact Us

Questions or requests? Email contact@hutsy.com.

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Terms of Service

Last Updated: October 23, 2025

Welcome to Hutsy. By using our website, dashboard, or AI Co-Pilot (collectively, the “Services”), you agree to these Terms.

1. Eligibility

You must be at least 18 years old and a resident of Canada to use Hutsy.

2. Subscription & Billing

Hutsy charges a $10 CAD monthly subscription through Stripe.

Payments renew automatically until cancelled in your dashboard (Settings → Subscription).

Refunds are not issued for processed payments.

3. Service Description

Hutsy provides AI-driven credit guidance and access to loan offers from independent lenders. Hutsy is not a bank or direct lender and does not guarantee loan approval.

4. User Responsibilities

You agree to:

  • Provide accurate information.
  • Use the Services only for personal, lawful purposes.
  • Keep login credentials secure.
5. Data Use

All data collection and processing are governed by our Privacy Policy. You authorize Hutsy and its partners to obtain your credit information when you connect accounts.

6. Disclaimers

Services are provided “as is.” Hutsy makes no warranties regarding credit improvement, loan approval, or financial outcomes.

7. Limitation of Liability

Hutsy is not liable for indirect or consequential damages arising from your use of the Services. Maximum liability shall not exceed the amount you paid in the past 6 months.

8. Termination

You may cancel anytime. We may suspend or terminate your access for misuse or non-payment.

9. Governing Law

These Terms are governed by the laws of Ontario and applicable Canadian federal law.

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