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Your Credit Superpowers
Stop Late Fees
Save on Interest
Overdraft Warnings
Lower Utilization
Protect Your Score
Smart Spending Alerts
Track Credit Usage
Control Overspending
Timely Reminders
Clear Credit Tips
Stop Late Fees
Save on Interest
Overdraft Warnings
Lower Utilization
Protect Your Score
Smart Spending Alerts
Track Credit Usage
Control Overspending
Timely Reminders
Clear Credit Tips
Available soon for iOS & Android

Meet Finny – Your AI Credit Assistant!

Let Finny manage the credit details, so you can focus on life.

Talk Credit & Money With AI, In Your Language

Ask Finny anything – from spending history to the
best card for your next purchase.

Safe Data & Clear Credit Insights

We work with leading partners to keep your data secure and your credit insights accurate.

Credit Card Connections Powered By Plaid

Plaid connects to 12,000+ banks and financial institutions across the U.S.

VantageScore Credit Score Widget Provided By Experian

Experian is one of the three major U.S. credit bureaus, providing the official credit score widget.

What You Gain with Finny

Less stress, more control, and smarter credit management – all in one AI assistant.
Save Money
Reduce hidden fees, avoid interest, and cut unnecessary costs
Save Time
Avoid late payments with smart, timely reminders.
More Freedom
Less credit stress means more freedom to live your best life
Build Confidence
Understand your credit health in your own language with clear AI insights

Take Control of Your Credit
– Before It Controls You

A few steps to taking control of your credit.

Step 1

Connect Your Credit Profile

Securely link your accounts through Plaid – a trusted global platform used by apps like Venmo and Robinhood.

Step 2

Get AI-Powered Insights

Safe and private AI analysis turns your credit activity into simple, actionable advice.

Step 3

Take Action & Improve

Turn insights into actions – cut fees, reduce interest, improve your score, and let Finny handle the complexity.

Security & Privacy

We put your security and privacy first. Every connection, every analysis, every action in Credit Mentor AI is built to be safe and anonymous.

Secure Bank Connections via Plaid

Plaid connects to over 12,000 banks and financial institutions, including Chase, Bank of America, and Wells Fargo. It's the same technology trusted by Venmo, Robinhood, and many other fintech leaders.

We Never See Your Logins

When you connect your credit cards via Plaid or Experian VantageScore, you enter credentials directly into secure forms from Plaid or Experian. We never collect, store, or access your usernames or passwords – they go only to your bank or Experian.

Fully Anonymous Analysis

Your data is analyzed without linking it to your real name. For Finny, it's just anonymized numbers which means you get smart insights without exposing your identity. Optional Experian widgets are displayed securely, without us storing or processing that data.

Extra Protection

Two-Factor Authentication (2FA), Face ID, and Touch ID support. Delete your account and all data anytime, with no recovery.

✨ Available for iOS & Android

Ready to Take Control
of Your Credit?

Choose the plan that fits your needs and get smarter credit insights.

Finny Guide Popular

yearly
$11.99 / month
  • 2 months of free use
  • Manage all your credit cards
  • Interactive chat with Finny
  • AI-powered insights & reminders
  • Credit health tracking
  • VantageScore Widget by Experian

Stay on top of your credit in real time:

  • See your current credit score
  • Review key factors from your credit report
  • Get alerts about changes and what they mean for you

Frequently Asked Questions

Here are some Frequently Asked Questions
01
How does it access my credit info?
We use secure, bank-level encryption to connect with credit bureaus and financial institutions.
02
Can Credit Mentor AI actually improve my score?
Yes! By helping you avoid mistakes, dispute errors, and build better habits, your credit health improves over time.