Consumer Finance Startups funded by Y Combinator (YC) in New York 2025

March 2025

Browse 11 of the top Consumer Finance startups funded by Y Combinator. Headquartered in New York, these are some of the hottest and fastest-growing startups.

We also have a Startup Directory where you can search through over 5,000 companies.

  • SmartAsset
    SmartAsset
    Y Combinator LogoS2012
    Active • 210 employees • New York, NY, USA
    SmartAsset is an online destination for consumer-focused financial information and advice. Reaching approximately 59 million people each month (as of January 2024) through its educational content and personalized calculators and tools, SmartAsset's mission is to help people make smart financial decisions. Additionally, SmartAsset powers SmartAsset AMP, a national marketplace connecting consumers to financial advisors. Building on SmartAsset’s relationship with millions of investors, SmartAsset AMP connects financial advisors directly with prospects who meet their target client profile. Our algorithm matches consumers with up to three fiduciary financial advisors. In 2023, SmartAsset helped advisors close an estimated $34 billion.
    fintech
    marketplace
  • Bloom
    Bloom
    Y Combinator LogoW2021
    Active • 8 employees • New York, NY, USA
    Bloom's mission is to improve the financial outcomes of all Americans by giving them the knowledge and tools they need to achieve prosperity. Our first product is an investing app that teaches users how to build wealth through interactive financial lessons, a gamified rewards economy as well as an investing account designed for building long-term wealth. Since launching in April 2022, over 1 million users have joined Bloom and we have crossed $3MM in annual recurring revenue.
    education
    fintech
    edtech
  • Yotta
    Yotta
    Y Combinator LogoS2020
    Active • 8 employees • New York, NY, USA
    Users save money, get over 2x the national average in interest and weekly chances to win additional prizes up to $10 million through weekly random number drawings.
    neobank
  • Upsolve
    Upsolve
    Y Combinator LogoW2019
    Active • 12 employees • New York, NY, USA
    Upsolve is a tech-driven nonprofit that helps low-income Americans overcome debt and rebuild credit at scale. Upsolve was founded in Harvard Law School’s Access to Justice Lab in 2016. Since then, Upsolve has become the nation’s most visited nonprofit financial education site. Upsolve.org educates approximately 2.9 million people a year with 2,000 articles on an array of debt and credit topics. To date, Upsolve’s free DIY bankruptcy filing tool has been used by over 14,000 families to relieve over $600,000,000 in debt. Upsolve users are disproportionately Black and Brown with an average household income of $25,000. Upsolve is now launching a suite of AI tools to help low-income Americans resolve their financial distress earlier.
    fintech
    nonprofit
    legaltech
    consumer-finance
  • Stairs Financial
    Stairs Financial
    Y Combinator LogoW2022
    Active • New York, NY, USA
    Stairs helps young Americans buy their first home. Our home search identifies homes based on their finances, and connects them to government grants, loans and tax breaks.
    fintech
    govtech
    proptech
  • Gauss
    Gauss
    Y Combinator LogoW2022
    Active • 16 employees • New York, NY, USA
    Gauss allows people with good credit scores to significantly lower interest rates on their credit cards while they keep using them. Users connect their credit cards to the mobile app and get a revolving credit line in under 10 minutes. Gauss tracks and automatically pays off any expensive balance on connected cards, saving users thousands of dollars on interest charges and helping them pay off card balances faster and improve credit scores.
    fintech
    consumer
  • Swadesh
    Swadesh
    Y Combinator LogoS2019
    Active • 10 employees • New York, NY, USA
    We offer a free US FDIC Insured Checking account, Free Credit Card (no interest rate, collateral, fees), Free AT&T SIM Card shipped to home with 40%+ cheaper plans than retail, and save thousands of dollars in remittances to our customers - all by opening a free Swadesh Account. We enable new to America expats become "American" in the eyes of the US Financial system. We're starting by serving the 150,000+ Indian expats migrating to the US each year. We have a comprehensive solution that covers banking, credit building, communication, remittance, as well as value-add services such as insurance, housing etc. along with all the standard bells and whistles of neobanks.
    fintech
    remittances
    immigration
  • Alinea
    Alinea
    Y Combinator LogoW2021
    Active • 8 employees • New York, NY, USA
    Alinea is an app for new investors where we do the hard work for you. With Alinea you have a team of investment experts in your pocket.
    artificial-intelligence
    education
    fintech
    social
  • Catch
    Catch
    Y Combinator LogoW2019
    Acquired • 18 employees • New York, NY, USA
    Catch makes it easy for anyone who doesn't get benefits from an employer to set up and manage their own benefits package. We automatically withhold from each paycheck for tax withholding, time off, savings and retirement. We also help you find and enroll in the right health insurance plan and keep your premium payments on track. By connecting to your existing bank account, we monitor when you get paid, and act on a plan that can help keep you covered no matter what life throws at you.
    fintech
    consumer
    health-insurance
  • Sable
    Sable
    Y Combinator LogoS2019
    Acquired • 12 employees • New York, NY, USA
    Sable is a digital banking platform and the only full-suite banking solution for internationals in the U.S., providing U.S. bank accounts, debit and credit cards. Newcomers to the U.S. can open a Sable account within five minutes, and start building their U.S. credit history from day 1, all without the need of an SSN or prior U.S. credit history. The Sable app is available on iOS and Android.
    fintech