# Clerkie Payoff Debt Bills Fees — Loan Money Build Credit Budget > Financial management app for debt payoff, budgeting, credit building, and loan shopping. (iPhone/iPad app by Henry Labs Inc.) - Source: https://appshunter.io/ios/app/clerkie-payoff-debt-bills-fees/id1132917036 (this page in markdown: same URL + `.md`) - Developer: [Henry Labs Inc](https://appshunter.io/developer/1132917035) - Category: Finance, Utilities - Price: Free - Rating: 4.77/5 from 2,844 App Store ratings · 116 written reviews indexed - Age rating: 4+ - Requires: iOS 12.1 · 84 MB - Languages: English - Released: 2016-07-21 - Data updated: 2026-08-24 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/clerkie-payoff-debt-bills-fees/id1132917036/reviews.md ## What is Clerkie Payoff Debt Bills Fees? Clerkie helps you with smart loans and makes it easy to budget, manage money, and pay off credit cards and student loans faster. Clerkie members have an average lifetime savings of $5,300. It’s the SAFE, FAST, and FREE money app Make the most of this debt payoff planner to boost your credit scores and get out of debt free. From negotiating down your debt, to getting personalized loans and credit card recommendations, to spotting identity theft. Ready to become debt free? • Negotiate and erase up to 70% of your debt – Instantly negotiate and cut down your debt using this debt manager. Users have saved $1,000s using this feature • Get a budget you can stick to – Stick to an automated budget that lets you enjoy your life while paying off your debt and bills • Personal loan shopping – Whether you want to refinance credit card debt or borrow for an emergency, we’ll show you personalized offers based on your credit profile • Check your free credit scores – Learn what affects your credit scores and how you can take control and increase your credit score • Free credit monitoring – Get credit alerts when we see important changes happen to your credit reports. • Personalized Approval Odds – See which credit card and personal loan offers you’re more likely to get before applying • Credit card choices – Browse great credit card offers based on your unique credit profile • Home sweet home – Calculate how much home you can afford, see personalized home loan offers and get a mortgage pre-qualification letter. Join thousands of members and get all these features, and more, for free. Download the Clerkie app now! As seen on: • Yahoo Finance • Facebook / Instagram • Reddit • CNN Money • Fortune BANK LEVEL SECURITY • Clerkie is secured using SSL 256-bit encryption — the same security protocol that banks use — to ensure that your sensitive personal information is fully encrypted and securely stored • App uses TouchID and FaceID for added privacy and security Don't let your debt overwhelm you! Get the simplest step-by-step plan to start paying down debt free. The only required inputs for calculating your debt free date are your loan balance, APR, and minimum payment. That's all you need to get a customized debt payoff planner and schedule. Your debt payoff planner and calculator determines your ability to pay more than the minimum payments to help you get debt free faster than you imagined. This budgeting app helps you pay regular monthly amount to payoff the debt faster Checkout our lists of awesome features below: *** FEATURES *** Improve your credit score and payoff your debt free and fast using this debt tracker and financial assistant: • Negotiate your debt free and erase up to 70% of your credit card debt • Find loans to refinance and consolidate your debt • Payoff debt using automated debt snowball method (lowest balance first) or automated debt avalanche (highest interest first) Use this budget app and subscription manager to track and manage money across all your bills, credit cards, banks and credit unions: • Track your bank and credit union accounts • Pay bills • Detect bank fees and penalties, and request refunds directly in the app • Identify bills you're overpaying and negotiate to reduce your bills and crush your debt • Manage subscriptions • Cancel unwanted subscriptions with 1-click and no headaches Find the best loans; regardless of your credit, plan and increase your credit score for major purchases: • Money for your bills based on your credit score • Mortgage options and improve your credit to buy a house • Car loan options and improve your credit to buy a car • Build & improve your credit to pay for your travels or anything else Clerkie is good for debt tracker, debt management, debt free, debt calculator, student loans, debt consolidation, auto loans, debt control, credit card debt, credit union Clerkie is not affiliated with Klover, Dave, Earnin, MoneyLion, Brigit, Albert, Cleo, Branch, Even, Cash App ## Key features - Negotiate and erase debt - Automated budgeting - Personal loan shopping - Free credit score checks - Free credit monitoring - Personalized approval odds - Home affordability calculator ## What do users think of Clerkie Payoff Debt Bills Fees? Overall sentiment: negative **Pros** - 💰 Helps pay off debt - 🆙 Improves credit score - 🤖 Helpful AI assistant - 🏠 Useful for home buying - 💳 Tracks spending and accounts - 💸 Negotiates lower interest rates **Cons** - 🔍 Difficult to access account/withdraw funds - ❌ Lack of customer support - 🕰️ App abandoned and not updated - 🚫 Unreliable payment processing - 🤖 AI assistant no longer available - 🔒 Security and privacy concerns **Commonly reported bugs** - Login issues and invalid credentials - Connectivity problems with linking accounts - Errors when trying to view credit reports or pay debts - Inconsistent app functionality across devices **Most requested features** - Dark mode option - Improved budgeting tools - Ability to link all financial accounts - More transparency on debt negotiation process - Better communication and responsiveness from support ## Recent user reviews (10 of 116) All indexed reviews: https://appshunter.io/ios/app/clerkie-payoff-debt-bills-fees/id1132917036/reviews.md ### 1/5 — Great while it lasted, completely abandoned now. Avoid *2026-03-20, version 0.3.45* I used Clerkie a ton back when it was actually functional (mostly in the year 2021) and I loved it. It put me in contact with a debt specialist who spoke to me on the phone and handled my reduced payments to multiple debt collectors and it was great. But the backend of this app was completely abandoned several years ago (as you can see by the version history) and users who trusted it with their money became unable to access it and it has become part of a several year long ongoing class action settlement (Google search reconciliationbyevolve to learn more). Clerkie is listed as one of the accounts that has refused to provide Evolve Bank with the data that they need to refund its end users with the money they are owed. This settlement is not over, and I encourage any Clerkie users who lost money to get involved and perhaps team up with the yotta end users who are currently seeking legal action for being similarly wronged, as they are organizing and communicating regularly about this problem still on their subreddit. The fact that this app is still up and available for download on the iOS store is very disturbing and I encourage everyone to report it, and cite the legal trouble they are in and how the app has not been updated in two years. An app handling such sensitive information as banking information and credit scores and finances being abandoned like this and never taken off the App Store is extremely dangerous. I’m sorry to everyone affected by this. Clerkie really was awesome while it lasted. It sucks that this is what became of it. They really did help me out at one point in time. ### 1/5 — App abandoned *2025-11-19, version 0.3.45* Hasent been updated in 2 years ya pack it up boys. ### 1/5 — Terrible app, worthless support *2025-11-04, version 0.3.45* It’s the worst budgeting app I’ve used. Their features said I can pay me credit card via their app, and I submitted payment and nothing happen, I missed my min payment and then I had to wait one month to get my money back. And now i want to remove my back from their app, their don’t have that option and support didn’t respond for 2 weeks. ### 1/5 — Thinks I’m a minor? *2025-10-31, version 0.3.45* Clerkie accidentally got my birthday wrong and now I can’t fix it and I can’t use the app. I would love some help with this, as I’ve reached out to customer service twice now. Thanks. ### 1/5 — Useless *2025-06-26, version 0.3.45* Can’t access anything. Keep getting an error and no customer service responses. What a joke ### 1/5 — Could’ve been great *2025-05-04, version 0.3.45* Can’t pull your credit or your debts ### 1/5 — Where’s my $?? *2025-03-14, version 0.3.45* Used this app for 2 years after DoorDash offered it to drivers. Seemed great at first until I had an issue & couldn’t get anyone to respond for months. Then out of the blue I got hit with a “missed payment” report on my credit report & my account with them was marked as closed. Now they’re holding the $ in my credit savings & nobody will respond to help me. Horrible “company”. ### 1/5 — Thieves *2024-12-14, version 0.3.45* This app is scam and no one should trust what they say. DO NOT USE THIS APP! They will definitely destroy your finances. I still have no clue where the rest of my money is and they have deleted my account so I can’t even login. They still owe me 500 dollars and on top of that they have hit my credit report negatively. The moment I felt like withdrawing funds the nightmare began. Took over 2 months to even get someone to respond to me and guess what it wasn’t even Clerkie! They paid me half of what I had in the account which was weird because I wasn’t doing business with them I was with Clerkie. So come to find out they we also not working with Clerkie anymore on the back end. So this middleman company was using both sides and holding funds elsewhere so they seemed needy and unprofitable. While juggling funds between accounts. Trust when I say do not use this app my situation could have been worse for sure! Hopefully they get what’s coming to them KARMA! ### 1/5 — Don’t bother *2024-11-29, version 0.3.45* The functionality sounds and looks like it’s great but it also doesn’t exist in reality. I’ve had the app for months now hoping that some of the basic functionality such as pulling in credit scores and getting a plan to improve it or pulling in debt and getting a plan to pay off error out with unhelpful mystery errors about unknown encryption issues on both the app and beta web interface. Don’t waste your time on support messages they are never answered and there is no help guide. You waste days of your life linking accounts through a clunky interface that avoids efficiency at all costs, only pulls in random accounts from sites it works with, and from what I can tell has no ability to upload transactions for the ones not pulled so even more time entering those to be left with no functionality of value at the end. Unless you find value in sharing all your financial transactions with a company so they can openly sell your data to others to spam you. If you do then it’s it’s great ### 1/5 — Fix it or delete app! *2024-11-28, version 0.3.45* I keep getting an error about an XML code when trying to verify my debt. At one point when it was working, I tried to make a payment It kept saying something went wrong. Im convinced this app doesnt work anymore and the so called Human Specialist never responds. At this point just delete the app! ## Frequently asked questions about Clerkie Payoff Debt Bills Fees ### What does Clerkie Payoff Debt Bills Fees do? This app is a comprehensive financial management tool designed to help users pay off debt faster, budget effectively, and improve their credit scores. It offers features like debt negotiation, personalized loan and credit card recommendations, and credit monitoring. ### What are the key features of this app? Key features include the ability to negotiate and potentially erase a significant portion of your debt, create a budget you can stick to, shop for personalized loan offers, check your free credit scores, and receive free credit monitoring alerts. It also helps with home affordability calculations and mortgage pre-qualification. ### Is this app free to use? Yes, the app is described as a SAFE, FAST, and FREE money app. Users can access all its features, including debt negotiation and credit monitoring, without any cost. ### What kind of security does the app offer? The app employs bank-level security, utilizing SSL 256-bit encryption, which is the same protocol used by banks to protect sensitive personal information. It also supports TouchID and FaceID for enhanced privacy and security. ### How can this app help me get out of debt? The app provides a step-by-step plan to pay down debt. By inputting your loan balance, APR, and minimum payment, it generates a customized debt payoff planner and schedule. It also helps you identify opportunities to pay more than the minimum, accelerating your journey to becoming debt-free. ## Version history (last 5 releases) ### 0.3.45 — 2023-11-17 Need money for the upcoming tax season? Need money or small loan to pay your bills? Struggling with credit card debt? Don't know what to do with your student loans? Want to improve your credit score? Clerkie got your back! Whether you're trying to become debt free or just want to improve your credit score to buy a House or a Car... We got you covered! We have some new goodies to help you crush your debt and get refunds for your bank fees! Lastly, if you're a full-time employee, gig economy worker or freelancer, let Clerkie automatically optimize and file your taxes for free! We're here to give our loyal Clerkiers what they want. Love you all! Our app is regularly improved to help you better manage your money and give you the best personalized financial advice. This update also includes security enhancements and squashes some bugs for the latest iPhones and iOS versions. ### 0.3.44 — 2023-01-05 Need money for the upcoming tax season? Need money or small loan to pay your bills? Struggling with credit card debt? Don't know what to do with your student loans? Want to improve your credit score? Clerkie got your back! Whether you're trying to become debt free or just want to improve your credit score to buy a House or a Car... We got you covered! We have some new goodies to help you crush your debt and get refunds for your bank fees! Lastly, if you're a full-time employee, gig economy worker or freelancer, let Clerkie automatically optimize and file your taxes for free! We're here to give our loyal Clerkiers what they want. Love you all! Our app is regularly improved to help you better manage your money and give you the best personalized financial advice. This update also includes security enhancements and squashes some bugs for the latest iPhones and iOS versions. ### 0.3.43 — 2022-11-22 Need money for the upcoming tax season? Need money or small loan to pay your bills? Struggling with credit card debt? Don't know what to do with your student loans? Want to improve your credit score? Clerkie got your back! Whether you're trying to become debt free or just want to improve your credit score to buy a House or a Car... We got you covered! We have some new goodies to help you crush your debt and get refunds for your bank fees! Lastly, if you're a full-time employee, gig economy worker or freelancer, let Clerkie automatically optimize and file your taxes for free! We're here to give our loyal Clerkiers what they want. Love you all! Our app is regularly improved to help you better manage your money and give you the best personalized financial advice. This update also includes security enhancements and squashes some bugs for the latest iPhones and iOS versions. ### 0.3.42 — 2022-08-26 Need money for the upcoming tax season? Need money or small loan to pay your bills? Struggling with credit card debt? Don't know what to do with your student loans? Want to improve your credit score? Clerkie got your back! Whether you're trying to become debt free or just want to improve your credit score to buy a House or a Car... We got you covered! We have some new goodies to help you crush your debt and get refunds for your bank fees! Lastly, if you're a full-time employee, gig economy worker or freelancer, let Clerkie automatically optimize and file your taxes for free! We're here to give our loyal Clerkiers what they want. Love you all! Our app is regularly improved to help you better manage your money and give you the best personalized financial advice. This update also includes security enhancements and squashes some bugs for the latest iPhones and iOS versions. ### 0.3.41 — 2022-02-25 Need money for the upcoming tax season? Need money or small loan to pay your bills? Struggling with credit card debt? Don't know what to do with your student loans? Want to improve your credit score? Clerkie got your back! Whether you're trying to become debt free or just want to improve your credit score to buy a House or a Car... We got you covered! We have some new goodies to help you crush your debt and get refunds for your bank fees! Lastly, if you're a full-time employee, gig economy worker or freelancer, let Clerkie automatically optimize and file your taxes for free! We're here to give our loyal Clerkiers what they want. Love you all! Our app is regularly improved to help you better manage your money and give you the best personalized financial advice. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-24.*