Your personal
AI financial assistant

It applies for your loan and deals with debt collectors, so you do not have to.

One agent. It handles applications, asks the questions and follows up on your behalf: with lenders, with banks and credit unions, and with the collection agencies and debt buyers who come after you. It calls them, texts them and writes to them, works them all at once, and never gets tired or embarrassed. You approve everything before it is final.

We text you when Fivo opens where you live. Free to join.Play the game
WAKING FIVO…
Get your own Fivo

Your rights

A collector must send written validation of a debt within five days of first contacting you. You can dispute it in writing within 30 days, and they must stop collecting until they verify it. You can tell them to stop contacting you, and to stop contacting you at work. They may not call before 8am or after 9pm, threaten arrest, or claim to be a lawyer or a government agency when they are not. You can revoke consent to be contacted by any method, including by us. These rights are yours under the FDCPA and the FCRA whether or not you ever use Fivo. Complaints go to the CFPB at consumerfinance.gov/complaint.

About this page

The world above is a video game. Every institution, collection agency, character, line of dialogue, APR, balance and settlement figure in it is invented for illustration. None of it describes a real company, a real account, a real negotiation or a real result, and no outcome in the game predicts what an agent would achieve for you.

Nothing here is an offer

No number, rate, APR, monthly payment, term, discount or settlement amount shown anywhere on this page is an offer of credit, a pre-qualification, a firm offer, a commitment to lend, or a promise to reduce or settle any debt. Fivo is not a bank, lender, broker of record, law firm, credit repair organization or debt settlement company, and nothing here is legal, tax, credit or financial advice. Any credit is offered by third-party lenders under their own terms; rates, approval and amounts depend on that lender and on your own circumstances, and are not guaranteed. Availability varies by state and Fivo is not offered everywhere. Deposits are not held by Fivo and nothing here is FDIC insured.