Worried About Missing a 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.
★ 3 Simple Steps
How it works
Tell Us About Your Loan
Securely connect your account or enter basic loan 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 loan in good standing.
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
Built with Lenders, Not Against Them.
Fynancr isn't a band-aid solution.
We're a pre-default partner.
Our platform works with lenders to offer real payment relief, backed by transparency and data.
Safe. Private. Secure.
Your privacy is our priority.
We use bank-grade encryption and integrations like Plaid to verify only what’s necessary.
Who We Help
Fynancr is built for borrowers:
Facing sudden income drops
Managing tight household budgets
Wanting to avoid default or garnishment
Who need time to get back on track — without ruining their credit
Ready to get started?
Join the Early Access List. Be the first to try Recovery Mode.
Enter your email to get access as soon as we launch.