Stripe is a globally trusted leader in online payment infrastructure, and our integration with them is designed to power the most critical part of your journey: automated debt repayment. Ilumoni leverages Stripe's secure, stable platform to ensure that when you opt for optimized, recurring debt payments, the system is reliable, compliant, and rock-solid.
This integration provides the robust backbone necessary for reliable, systematic debt reduction.
Our partnership with Stripe ensures that the intelligent recommendations generated by Ilumoni are executed with flawless precision. It removes the stress of payment logistics, allowing you to trust the process and watch your debt decrease on the most reliable platform available.
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.