#1 Social Lending App

Short term loans without fees or interest

Access interest-free loans, and strengthen your credit profile courtesy of your community.

“When I need to buy groceries or something for my son, and I am short on cash until payday. My lending circle always helps me out”

Nick Johnson
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How it works

It's easy—and no monthly fees:

01

Create an account and open a or join lending circle

02

Take a loan out when you need it from the lending circle at a  0% interest rate

03

Repay the lending circle when you get paid

04

We report your repayments to Equifax to boost your credit score

Create or Join a lending circle.

Create a lending circle with your family and friends or join one of Hutsy’s existing circles. Pool your funds to create a secured credit line that you can use for emergencies. It’s like having a financial safety net that’s always there when you need it.

Invite Friends

Invite your friends and family to join your lending circle or create their own. Share the power of financial cooperation with your loved ones and make your community even stronger.

Borrow Responsibly

Borrow from your Hutsy credit line whenever unexpected expenses arise. Our model encourages responsible borrowing and timely repayments, which are reported to credit bureaus. This helps you build a stronger credit profile over time.

Build Credit

Hutsy is your partner in building a better credit score. We report all successful repayments to credit bureaus, providing you with a proven way to boost your credit score and enhance your financial future.

Admin Oversight

Fair and secure financial cooperation.

Each lending circle is overseen by one or more dedicated admins who play a pivotal role in determining borrowing limits, repayment schedules, and the maximum number of participants, guaranteeing that the lending circles operate smoothly and in the best interests of members.

John

Along with 15 close friends, each contributed $200, to create a $3,000 Hutsy Lending Circle, readily available to any member in times of financial emergency.

Danny

Works at a retail store, and led the charge as 10 co-workers came together to contribute $200 each. Creating a $2,000 Hutsy Lending Circle, ready to offer financial assistance to any colleague in times of need. 

Bella

A dedicated leader within her church community, rallied 250 members to come together, each contributing $500. Creating a $125,000 Hutsy Lending Circle, ready to assist any member in times of financial need.

We turn your community into your greatest financial asset

Interest rates are getting out of control, and banks becoming more risk-adverse but Hutsy will always have your back.

Access to Interest-Free Credit

Break free from high-interest loans and credit cards. Access interest-free credit when you need it the most.

Build a Stronger Credit Profile

Responsible borrowing and timely repayments are your path to a better credit score.

Security and Peace of Mind:

We prioritize the safety of your financial information and transactions, employing robust security measures to protect your data.

Our commitment to your data security means you can use Hutsy with peace of mind, knowing that your financial well-being is protected

What our members say

See what our members have to say about how Hutsy helped them create a community that has made a positive impact on their lives.

5/5

Hutsy is helpful because it’s that little bit of a nudge that I may need.. If I need it. - Desiree Glasgow

Desiree Glasgow

5/5

Very polite and easy to deal with, fast and made it a good experience. Thank you! Great staff and there to help if they can.

Gary Brannen​

5/5

When I need to buy groceries or something for my son, and I am short on cash until payday. Hutsy always helps me out. He's amazing! I have just given an approval to work on another project!

Nick Johnson

5/5

Hutsy is very easy to deal with. They can almost always help you out when you need it. I have never had a bad experience with this company.

Chris Flessatti​

5/5

Hutsy helped me pay my bills on time, and that really helped me get on my feet

Ben

5/5

I have used my lending circle twice now in past month.good service and very easy too sign up, and I'm not very good with emails and pdf and screen shots but it really was simple.

Lawrence Carter​

When I need to buy groceries or something for my son, and I am short on cash until payday. Hutsy always helps me out.

Nick Johnson

Very polite and easy to deal with, fast and made it a good experience. Thank you! Great staff and there to help if they can.

Gary Brannen

Hutsy is very easy to deal with. They can almost always help you out when you need it. I have never had a bad experience with this company.

chris flessatti

I have used my lending circle twice now in past month.good service and very easy too sign up, and I'm not very good with emails and pdf and screen shots but it really was simple.

Lawrence Carter

We raised $500,000!

Watch Hutsy on CBC's Dragons Den

We raised $500,000 on CBC’s Dragons Den to give you a better financial future.

Have any questions? Don’t hesitate to reach us.

Sign up and join Hutsy's waitlist.