Worried About Missing a Debt Payment? We’ve Got You.
Before the late fees and before the credit hit,Recovery Mode™ helps you make smaller, affordable payments for a few months so you can breathe and get back on your feet.
Takes 2 minutes.
No hard credit check. No hidden fees. No judgment.
Powered byRecovery-as-a-Service™ the new default prevention infrastructure
★ 3 Simple Steps
How it works
Tell Us About Your Debt
Securely connect your account or enter basic debt details.
Share What's Essential
Rent, food, childcare we focus on what you must cover first so your plan is truly realistic.
Make Smaller Payments
Pick a lender-approved Recovery Mode™ plan that lowers your payment for 3-12 months while keeping your debt in good standing.
Built on Recovery-as-a-Service™ the same infrastructure lenders trust.
Why People Love Recovery Mode™
Stops late fees and collection calls before they start
Protects your credit from damage
Clear plan with a start and end date
Simple, judgment-free sign-up in minutes
Backed by real lenders, not shady companies
Powered by Recovery-as-a-Service™ infrastructure lenders already trust.
It's a lifeline before things spiral.
What Recovery Mode
Is
Reduced payments
Short-term, realistic payment plan to help you recover financially
Lender approved
Smaller, predictable payments — lender approved
Predictable end date
Ends with a smooth step back to your normal payment
Isn't
Payment pause trap
A 'payment pause' trap that racks up interest
Highest interest loan
A high-interest loan to cover your current one
Credit hurting gimmick
A gimmick that hurts your credit
Payday debt or loan-shark products
Payday debt or loan-shark products (we only work with trusted, ethical lenders)
Fynancr is for borrowers who
Are feeling the squeeze from rising costs or reduced income
Need a few months of breathing room to recover
Have a debt with a participating lender
Want to avoid default, repossession, or wage garnishment
Want solutions backed by ethical lenders, never payday debt.
Safe. Private. Secure.
We never sell your information
Your privacy is always our priority
Bank-grade encryption for all your data
Trusted integrations like Plaid for secure debt connection
We're actively building and expanding our services for borrowers in these states
We're actively building and expanding our services for borrowers in these states
Fynancr Only Works If Your Lender Joins — And That's On Purpose.
We don't believe in tricking users into empty subscriptions.
Fynancr only activates Recovery Mode if your lender is on board.
That's how we protect you, your trust, and your future.
Want Fynancr Sooner?
Tell Us Who to Call.
Can’t wait for your lender to catch up? Nominate them
and we’ll reach out on your behalf.
Join the Early Access List
Be the first to try Recovery Mode™ in your state.
No spam. We'll only email you when your lender is live.
Frequently asked questions
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I built Fynancr because every borrower deserves a fair chance and every lender deserves a better way to prevent defaults. We only partner with ethical institutions.
That means no payday debt, no loan sharks ever.
Alcino de Oliveira Manuel, Founder
