Take control of your borrowing

Millions of us pay too much for our borrowing and carry debt for longer than we should. We think it's time that changed.

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Borrow well with ilumoni

The ilumoni app could help you to pay less in interest and clear balances sooner. We analyse your borrowing, credit report and what you can afford to help you save money or make things easier to manage with repayment changes or restructuring, right through to new lending.


Tell us your goals, priorities and how you feel about borrowing.



ilumoni analyses your accounts to provide actionable insights.



Explore the impact changes could have on your overall borrowing.



Find new or alternative products, or smarter ways to repay, aligned to your goals.

Is the UK borrowing well?

Read our research report on borrower confidence, capability and stress,

About ilumoni

Borrowing is a part of life. At ilumoni, we're here to help people borrow well.

Campaign for Better Borrowing

We're committed to improving the financial and mental wellbeing of UK borrowers.

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We’ve tried to answer some of the big questions about ilumoni here.

Who is ilumoni for?
How do you keep ilumoni free?
How secure is ilumoni?
Will you try and sell me products?
How is ilumoni different from a budgeting app?

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© 2022 by ilumoni

ilumoni is a trading name of Monely Limited registered and regulated by the Financial Conduct Authority (928933 and 928681), registered in England and Wales (Company number 11886611), Registered Office: The Barnsley Digital Media Centre, County Way, Barnsley, S70 2JW

*As referenced in the FCA's financial lives report and/or the credit card market report.