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“Clutch’s mission is to turn Credit Unions into FinTechs, enabling them to serve their members with the best digital experience and lending products.”

We believe in financial fairness

Americans with challenged credit scores and thin credit files are incredibly disadvantaged by the system: loan rates are often north of 20%. These loans trap a group of consumers, who are already marginalized by society, into high monthly payments.


The lack of affordable capital further widens America's wealth gap. We aim to address income inequality by refinancing high interest debt of all kind. The current system does not reward disciplined Americans, who reliably make their car payments. Credit Unions were undoubtedly the perfect partner for us, and we are honored to serve their members together.

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