Borrow Well.

Millions of us pay more in interest and are in debt for longer than is necessary.


We think it’s time that changed.


ilumoni is a new free financial wellbeing app that helps you to understand and manage your borrowing and shows you ways to make changes that mean you could pay less interest and clear balances faster.


Our borrowing habits can have a huge impact

Continually paying minimum payment on the average credit card means it would take over 25 years to pay back the average debt, and cost more than twice the amount borrowed.
25% of people do this.

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.

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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 balances faster
ilumoni will help you manage your borrowing 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.

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A free app that does the hard work for you

We put your borrowing information and decisions in your hands.

The app helps you to understand your borrowing, 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 could reduce the impact of your borrowing.

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.

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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.

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Finds smart ways to repay

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

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Always looking for the best deals for you

ilumoni is independent of any lender and highlights better deals 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 or formal debt solutions provider 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 balances faster.


Sign-up for early access

The ilumoni app will be here soon.

Be among the first to start to Borrow Well.