uncredit diagnoses your exact debt situation, builds a personalized exit plan, and coaches you out, step by step, no spreadsheets, no shame.
No credit card. No judgment. Just a plan.
uncredit
$0
avg. debt per user in waitlist
0mo
avg. debt-free timeline
$0
avg. interest saved with our plan
0 min
to get your full exit plan
The problem
That's not your problem. Your problem is a system designed to keep you paying the minimum forever, while interest quietly compounds in the background. You need a plan built for your numbers, not generic advice.
Minimum payments are designed to maximise the bank's revenue, not your freedom. They barely touch principal.
Multiple cards, loans, rates. It's impossible to know which to attack first without modelling the full picture.
Podcasts and articles give frameworks. uncredit gives you exact numbers: $X to card Y, this month, to be free by date Z.
How it works
Chat with uncredit like you'd text a friend. Share your debts, income and expenses. No forms, no spreadsheets.
We calculate exactly how much you're losing to interest, your true payoff date, and the levers you can pull.
Pick from Aggressive, Balanced, or Consolidation, each with exact monthly payments, timelines, and interest saved.
Your dashboard shows progress. Life changes? uncredit recalculates. The plan evolves with you until you're debt-free.
Features
No forms. Just a conversation. uncredit asks the right questions to build a complete financial picture in under 5 minutes.
Real numbers: monthly interest drain, true payoff date, and exactly how much each debt is costing you right now.
Three tailored paths: aggressive, balanced, consolidation, each with exact payment schedules and a projected debt-free date.
A minimal view of what's been paid, what remains, and what to do next. No noise, just clarity on where you stand.
Life changes. Job switch, unexpected expense, extra cash? Talk to uncredit and your plan updates immediately.
Weekly check-ins, payment reminders, and milestone celebrations, delivered where you already are, not in another app.
Sample output
Balanced plan
31 months
to debt-free
Best balance of speed and cash flow breathing room.
Aggressive plan
19 months
to debt-free
Maximum interest savings. Tighter budget required.
Consolidation plan
36 months
to debt-free
Simplifies payments. Requires good credit score.
* Illustrative example based on $22,000 in debt across 3 cards at 18–25% APR. Your numbers will differ.
FAQ
Is uncredit free to use?
The core plan-building experience is free. We plan to offer a premium tier with advanced tracking, WhatsApp accountability, and ongoing coaching. Early waitlist users get 6 months of premium free at launch.
Does uncredit access my bank accounts?
No. uncredit works entirely from what you tell it in conversation. No bank linking, no open banking API, no read access to your accounts. Privacy first.
What types of debt does it support?
Credit cards, personal loans, store cards, overdrafts, anything with a balance and interest rate. Student loans and mortgages are on the roadmap but excluded from v1 strategies since they have different dynamics.
Is this regulated financial advice?
No. uncredit provides financial planning tools and information, not regulated financial advice. For complex situations (insolvency, IVAs), we'll clearly flag when you should speak to a professional and help you find one.
When does uncredit launch?
We're targeting a private beta in Q3 2026. Waitlist members get first access and will be invited in cohorts based on signup date. No spam, just a single invite when it's ready.
Join the waitlist
Join the waitlist now. First 500 on the list get 6 months of premium free, and an invite to shape the product before anyone else sees it.
You're on the list.
We'll email you as soon as early access opens. In the meantime, tell a friend who's stuck in debt. They'll thank you.