Discover how finivity empowers you to take control of your finances with our innovative and user-friendly features. Whether you’re budgeting, saving, or investing, we’ve got you covered.

Access curated, actionable content based on your unique borrowing behavior to build better financial habits.

Understand how your spending and repayment habits directly impact your ability to reduce debt.

See how smart recommendations and optimized payments are helping you improve your credit health and financial independence.
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Provide user-friendly platforms for savings, and investments.
We believe that managing money should be simple We believe that managing.

Ilumoni uses AI and data insights to analyze your unique borrowing behavior, interest rates, and balances across all your linked accounts. We don't just track your debt; we build you a personalized, optimized repayment plan to save you the most money on interest and accelerate your payoff date.
Yes. We prioritize bank-grade security with encryption technology. We use trusted third-party services (like Plaid) to connect your accounts, meaning we never store your banking login credentials. Your data is used strictly for generating your debt insights and smart recommendations.
Ilumoni is designed to help you manage all types of unsecured debt. This primarily includes credit cards, personal loans, student loans, and lines of credit. Our platform helps you aggregate and optimize repayment strategies across all of these accounts.
While we cannot guarantee a specific score increase, Ilumoni provides the actionable steps necessary to impact the factors that influence your score the most: payment history and credit utilization. By consistently following our optimized repayment plan, you establish the habits required for long-term credit health improvement.
Say goodbye to debt stress and hello to financial wellness. See how our intelligent debt platform creates a transparent, achievable path forward.
