Borrow Well.

For too long it has been easy to borrow, but hard to borrow well. Meaning millions of us are paying more in interest and are in debt for longer.


We think it’s time that changed.


ilumoni is a free app that helps you see your borrowing in a new light, pay less interest and clear your debt faster.

It's time to Borrow Well

On average, more than a quarter of our household income goes on paying back unsecured debt.

And a quarter of us only pay the minimum payment on our credit cards, meaning it would take over 25 years to pay back the average debt and cost more than twice the amount borrowed.

1/3 of us worry about money every day.

Here's what we're doing...


Take control of your borrowing

ilumoni finds smart ways to repay and highlights better deals, just for you. You’ll never borrow the same way again.

Manage your repayments
To reduce monthly outgoings or reallocate payments to pay less interest, ilumoni helps you figure out what to pay and when.
Simplify your borrowing
Find the right products so that you have fewer accounts to manage, simplify your outgoings and know exactly what you are paying and when.
Clear debt faster
ilumoni will help you manage your debt wisely and spot when and where to switch, so that you stop paying too much interest.
Live debt free
ilumoni will highlight the best credit cards and loans, ensuring you pay as much as you can afford to help you become debt free.

Raising awareness

We want better borrowing for everyone.

Which means helping everyone to understand how much borrowing really costs and how our borrowing habits and choices affect how much we pay and for how long, as well as making sure we all have access to clear and easy to understand information about our borrowing. Even small changes can make a big difference.

Join the conversation>>>

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A free app that does the hard work for you

We put your borrowing data and decisions back in your hands.

The app helps you to understand your debt better, pay it off sooner, reduce the interest you pay, or simplify your borrowing.

We show you how making affordable changes to your payments or switching to a provider you are eligible for, with terms that are better for you, can give you better choices and reduce the impact of debt.

How does it work?

ilumoni looks at your spending, costs of borrowing and credit score alongside the products you are eligible for to suggest repayment amounts and highlight different providers and better products. All based on what you want to achieve.

Meaning you end up with more money and more freedom.

Puts you in control

ilumoni securely connects your credit report and bank accounts together, so you can see how much your borrowing adds up to over time.

Finds smart ways to repay

ilumoni analyses your spending and finds the best way to manage your debt.

Always looking for the best deals for you

ilumoni highlights better deals on credit cards and loans that you're eligible for to help you achieve your goals.

Seriously Secure

Your accounts will always be safe and secure with our bank-grade security and encryption systems. We do not sell your data to third parties and are bound by European data protection rules.

You are in control and decide what data to share with the app or not.

Always Free

ilumoni will always be free to use and you'll never be bombarded with advertisements or email marketing campaigns.


We're not a lender and only highlight products to switch to when it's right for you. We never stop searching for bright ideas to help you pay less interest and clear your debt faster.

Sign-up for early access

The ilumoni app will be here soon.

Be among the first to start to Borrow Well.

For our latest news, tips and tricks subscribe below.

By signing up we will also send you occasional newsletters with hints and tips designed to help you Borrow Well, as well as relevant news about lenders and of course the app and when it is available. You can opt out of the newsletters at any time, though by doing so you will not hear when the app is available. We will never sell your data to third parties.

© 2020 by ilumoni  |  Privacy  |  Use of Cookies

ilumoni is a trading name of Monely Limited registered and regulated by the Financial Conduct Authority (850841), registered in England and Wales (Company number 11886611), Trading Office; The Barnsley Digital Media Centre, County Way, Barnsley, S70 2JW

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