Now Build Credit While You Bank
Hutsy is an AI-Powered money management app that builds credit, and offers personalized tips to improve your financial health.
Transforming lives and improving financial health for everyone.
How it works
STEP 1
Sign Up & Connect
Register and securely connect your bank account in a single step. We protect your information with advanced encryption to ensure your data remains confidential.
STEP 2
View Your Financial Health Score
This score reflects your overall financial stability. Based on income stability, savings rate, debt levels, spending patterns, credit utilization and other factors. This score helps you understand your financial well-being
STEP 3
Improve Your Financial Health
Receive tailored financial advice to make informed financial decisions daily and improve your financial health score. Following our tailored guidance, naturally progress you towards building savings, building credit, and reducing debt.
What Hutsy Offers
Your Smart Financial Assistant
AI-Powered Financial Advice
Pose any financial query to Hutsy, and receive accurate, tailored responses designed to guide your financial decisions.
- Personalized Advice
- Accurate Responses
- Informed Decisions
Financial Health Score
Financial Health Improvement
Recommendations on how you can improve your financial health score. Following our guidance, naturally progress you towards building savings, enhancing credit scores, and reducing debt.
- Boost savings
- Build credit
- Reduce debt
Spending Report
Credit Building
Hutsy users see an average credit score increase of 34 points within just three months of using Hutsy Credit Builder.
- Lower Interest Rates
- Easier Approvals
- Higher Credit Limits
How Hutsy’s Credit Builder Works
Build Your Credit with Hutsy
STEP 1
Subscribe to Hutsy
Once you are subscribed and connected to Hutsy we can track your memberships and bills that are automatically deducted from your account.
STEP 2
We Report Your Payments
We report your on-time payments to Equifax and Trans Union each month as credit worthy payments.
STEP 3
Boost Your Credit Score
Consistent on-time payments can improve your credit history. Hutsy users see an average credit score increase of 34 points within just three months of using Hutsy Credit Builder.
5,000+
Happy users
99%
User Satisfaction
45,000 +
Automated Tasks
20+
Languages Available
Hutsy on Dragons Den
We raised $500,000 from the Dragons
Watch how Hutsy raised $500,000 from the Dragons on CBC's Dragons Den to provide you with better financial products and services.
5,000+ Happy Clients
Explore genuine client feedback
Discover why users love our app. Read real-life experiences and see how and why Hutsy is simplifying finances.
Download the app for iOS & Android
Unlock the power of your financial future, and give your money a voice with Hutsy.
FAQ
What makes Hutsy different?
What sets Hutsy apart is our unique financial health score—a detailed assessment of your financial stability derived from analyzing key factors like your income stability, savings rate, debt levels, spending habits, and credit utilization.
This score not only provides a clear picture of your financial status but also comes with personalized, actionable advice to help you improve your financial health consistently.
What is a financial health score?
The financial health score by Hutsy is a comprehensive numerical indicator of your overall financial stability. It’s calculated from various critical factors including your income stability, savings rate, debt levels, spending patterns, and credit utilization.
This score serves as a personalized benchmark for understanding and improving your financial well-being, guiding you with customized tips and strategies to enhance your savings, elevate your credit score, and minimize your debts.
What’s Hutsy’s mission?
Hutsy’s mission is to empower users to achieve greater financial well-being through tailored, AI-driven advice and innovative tools.
Our approach focuses on enhancing your financial health score, which tracks our effectiveness in aiding users to boost their savings, decrease debt, and stabilize their financial situations, reflecting successful interactions with our app’s features.
Why should I trust Hutsy with my bank account?
Hutsy prioritizes the security of your financial information. Although neither Hutsy nor our banking partners can access your banking credentials, we employ Flinks, a trusted industry provider acquired by the National Bank of Canada, to safely connect your account.
Flinks utilizes advanced encryption and adheres to international security standards to ensure your data is protected at all times.
What happened to Hutsy’s debit cards?
In response to user feedback, Hutsy has temporarily shifted focus from offering debit cards to enhancing our core services—personalized financial advice and the unique financial health score.
This change allows us to address our users’ primary concern: the need for robust, AI-powered financial guidance that actively supports their financial health improvement.
How does Hutsy help me build credit?
Once you are subscribed to Hutsy and have connected your bank account, we track and report your on-time payments to credit bureaus like Equifax and Trans Union.
Helping you build a positive credit history. Users typically see a 34-point credit score increase within just three months, enhancing financial opportunities and securing better loan terms.