The ilumoni app connects your credit report, bank and credit accounts together, analyses your borrowing and repayments and helps you to find new or alternative products, or smarter ways to repay.
Your borrowing status summarises your connected accounts, how manageable your debt looks, and your credit score in a single, easy to understand place.
You can see your credit cards, personal loans, overdraft balances and mortgages, along with how much you are paying in interest and how long it will take to pay back, all based on your current repayments.
Your nudges show you how to make affordable changes to repayments or switch to alternative products (that you’re eligible for), all aligned with the financial circumstances and goals you shared with us.
See if you can find smarter ways to borrow or repay, to help clear debts faster. With personalised insights, aligned to your goals.
See answers to the common questions we're asked here, or you can find other questions we’re often asked on our main FAQs page.
We were chosen to be part of the FCA's innovation hub, which introduces innovative financial products and services to the market. We're now directly authorised and regulated by the FCA.
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Your guide to the terms we use within the app and exactly what they mean.
Discover the latest ilumoni feature - the restructure nudge!
Find out everything you need to know about our repayment nudges.
Find out what we’re doing to help those with problem debt.
Discover the newest feature in our app, including why we've created it and how it will work.
© 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