ilumoni FAQs

Below are our most frequently asked questions. They cover our app, how we use your data and more but, if you can't find the answer you're looking for, just get in touch.

The ilumoni app

Will you try and sell me products?
How is ilumoni different from a budgeting app?
I don't recognise an account on my ilumoni app dashboard - what should I do?
Why is my interest rate different in the app?
Who is ilumoni for?
Why is my Equifax score out of 700?
Are there any lenders you don't work with?
Can I see and manage my credit score?
How do you keep ilumoni free?
Why do I have to give my consent to access my bank data every 90 days?
How do you know what I’m eligible for and will it affect my credit score?
You only use Equifax’s credit score, does that mean you don’t have a full picture of my credit status?
Can I take out new borrowing through ilumoni?

Data and security

What information do I need to share?
How secure is ilumoni?
What else do you do with my information?


Is ilumoni authorised by the FCA?
What happens if I'm really struggling with debt?
What is Open Banking?

Download the app

© 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.