a better way to eliminate credit card debt

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Smart scheduling

Fency pays your credit card payments as early as possible to reduce interest and fees. We withdraw the funds from your account later on when it's convenient for you, based on income & expense activity, not a date set by a bank.

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Any credit score

It doesn't matter what your credit score is...we'll help you reduce your credit card debt. The longer you stick with our program the better results you'll see. There are no loans to be approved for.

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Easy to use

We cut your interest rate in half on any card we're helping you pay down. You'll pay less over time. That's what we do! We work with the biggest financial institutions in the country.

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Today is the day...

FencyPay gives anyone the chance to get out of debt.

You don't need to be approved for a loan.

We don't base our decisions on your credit score or what's in your credit report.

Fency members living paycheck to paycheck reduce debt faster than they could on their own...without damaging their credit score.

If you can only afford the minimums on your credit card payments...Fency is perfect for you as you'll begin to see savings sooner rather than later without having to apply or qualify for a traditional debt consolidation loan.

We base our lending decisions on your current spending and account activity...not your past credit problems.

We're different.

If you've tried to get a debt consolidation loan or reduce your interest rate and been denied, Fency is for you!

We have a different approach where everyone gets a chance to work their way out of debt.

We're not a debt consolidator/negotiator & we don't force you to close your accounts. We also don't charge insane interest rates.


Fency is only available in the United States

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