88 YC Consumer Finance Startups (Fintech)

88 YC companies fall under Consumer Finance, YC's Fintech subcategory, across every batch since 2005. Each row shows the one-liner, batch, HQ and status, and links to a reconstruction of the company's YC application in the real form.

Companies
88
Top locations
San Francisco, New York and London
YC top companies
3
88 reconstructed applications

Read the YC application of all 88 companies

  • Every company's YC application, reconstructed in the real form
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The first 88 companies, top companies first

1
FutureAdvisor
FutureAdvisorTopThe online financial management service for everyone.
Summer 2010San Francisco, CAAcquired
3
Truebill
TruebillTopLive your best financial life
Winter 2016Silver Spring, MDAcquired
4
Alinea
AlineaAutomated investing for the next generation 💸
Winter 2021New York, NYActive
6
Altro
AltroBuild Credit With Your Subscriptions
Summer 2020Los Angeles, CAAcquired
7
Apartio
ApartioApartio offers Short Term Rentals for Business Travelers in Brazil
Winter 2020São Paulo, SP, BrazilInactive
8
Apollo
ApolloThe card that rewards you with stock
Summer 2021San Francisco, CAInactive
9
Arbital
ArbitalThe social trading app for stocks, memes, and perps
Summer 2026Singapore, SingaporeActive
10
Aspora
AsporaSingle account to manage money across the world
Winter 2022London, England, United KingdomActive

That is 10 of 88.

Every company below has its YC application reconstructed in YC Insights. Create a free account to read them all.

Read all 88 applications
11
Astor
AstorAI advisor for retail investors
Summer 2025San Francisco, CAActive
12
Atlas
AtlasModern spend management & concierge.
Winter 2019San Francisco, CAActive
14
Balanced
BalancedPayments for Marketplaces
Winter 2011San Francisco, CAInactive
16
Benson
BensonEasily invest like the rich
Winter 2022Oakland, CAActive
17
Bits
BitsBits is a credit card designed to help people build credit
Summer 2020London, England, United KingdomActive
18
Bloom
BloomInvesting app that teaches you how to invest
Winter 2021San Francisco, CAActive
19
Bree
BreeChime for Canada, starting with cash advances
Summer 2021Vancouver, BC, CanadaActive
21
CapWay
CapWayInclusive financial technology service provider.
Summer 2020Atlanta, GAInactive
22
Catch
CatchBenefits for independent workers.
Winter 2019New York, NYAcquired
23
Clear
ClearFintech SaaS platform for invoices, taxes, wealth management & credit.
Summer 2014Bengaluru, KA, IndiaActive
26
Debteye
DebteyeAutomate credit counseling.
Summer 2011Chicago, ILAcquired
27
Envelope
EnvelopeBanking with built-in budgeting
Summer 2023San Francisco, CAActive
28
Fintual
FintualWealth manager
Summer 2018Santiago, Santiago Metropolitan Region, ChileActive
29
Finvest
FinvestEasy way to buy US Treasury Bills
Winter 2023San Francisco, CAActive
30
Flowbo
FlowboPipe for online businesses
Summer 2021Los Angeles, CAInactive
31
Freeport Markets
Freeport MarketsTrade like a hedge fund.
Fall 2025New York, NYActive
33
Glassjar
GlassjarClean app for check writing
Winter 2015Mountain View, CAInactive
34
GoCardless
GoCardlessWe’re building the world’s bank payment network.
Summer 2011London, England, United KingdomActive
35
Gotrade
GotradeRobinhood for Southeast Asia (SEA)
Summer 2019Singapore, SingaporeActive
36
Gravy
GravyAI Agent for your personal finances.
Spring 2026San Francisco, CAActive
38
Honeydue
HoneydueThe simplest way for couples to manage money, together
Summer 2017New York City, NYAcquired
39
InstaKin
InstaKinFinancial Platform for Migrant Families in America
Summer 2021Boston, MAActive
40
Ivella
IvellaBanking and savings products designed for couples
Summer 2021Santa Monica, CAInactive
41
Joe
JoeWe let customers "Buy Now Pay Later" on any store in Europe.
Winter 2022Paris, ÃŽle-de-France, FranceAcquired
42
Karoo
KarooAI native consumer lending platform for underserved Americans
Winter 2025Toronto, ON, CanadaActive
43
Keeper
KeeperAI tax filing for complex returns
Winter 2019San Francisco, CAActive
44
Leaky
LeakyOnline auto and business insurance. (Acquired 2013)
Summer 2011San Francisco, CAInactive
45
Littio
LittioDollar banking for people in Latin America
Winter 2023Bogotá, Bogota, ColombiaActive
47
MarketBrief
MarketBriefGenerate stories from SEC filings.
Summer 2011New York City, NYInactive
49
Mine
MineThe AI personal finance company.
Summer 2021New York, NYInactive
50
Mochatrade
MochatradeUS stock perps for global traders
Spring 2026New York, NYActive
51
Neema
NeemaNeema is an app for unbanked workers, which provides a checking…
Winter 2017Tel Aviv-Yafo, Tel Aviv District, IsraelInactive
52
Nexus
NexusNexus offers a unified checking and investment account.
Summer 2021Mountain View, CAInactive
53
OctiFi
OctiFiBuy Now Pay Later for Southeast Asia
Winter 2021Singapore, SingaporeAcquired
54
OneKey
OneKeyFind the most profitable sites to build EV charging station
Summer 2020Paris, ÃŽle-de-France, FranceInactive
56
Path
PathFinancial advisors for Gen-Z
Summer 2019New York, NYInactive
58
Polar
PolarThe smarter way to manage USD earnings globally
Winter 2024San Francisco, CAActive
60
Rainmaker
RainmakerDeFi for Everyone
Winter 2023Active
61
Ralo
RaloFind Your Best Mortgage Deal
Spring 2025New York City, NYActive
63
RedCarpetUp
RedCarpetUpCredit cards for Indians that banks cannot see
Summer 2015Gurugram, HR, IndiaActive
64
Revenir
RevenirFirst API solution for tax returns.
Winter 2020London, England, United KingdomActive
66
Seis
SeisBanking 100% in Spanish for the 44 million US Spanish speakers
Winter 2022San Francisco, CAActive
67
Selfin
SelfinBuilding the first AI Bank
Fall 2025San Francisco, CAActive
68
SmartPath
SmartPathFinancial wellness for the middle class
Summer 2016Atlanta, GAActive
69
Solo
SoloWe help people resolve debt.
Winter 2021Provo, UTActive
70
Soon
SoonAutomated sweep account, invest without the stress of speculating
Winter 2022Salt Lake City, UTActive
72
Spenny
SpennyAcorns for India. Every time you swipe you make a digital…
Winter 2020Bengaluru, KA, IndiaActive
73
SpotPay
SpotPayStablecoin Global Bank Account
Winter 2026San Francisco, CAActive
74
Stairs Financial
Stairs FinancialFind a home you can actually afford
Winter 2022New York, NYActive
75
Sunset
SunsetFind and move money after a death
Fall 2024Active
77
TextPayMe
TextPayMe
Summer 2005Redmond, WAAcquired
78
Theya
TheyaThe world's simplest Bitcoin self-custody solution
Winter 2023San Francisco, CAActive
81
Totalis
Totalisderivative layer for prediction markets
Spring 2026San Francisco, CAActive
82
Two Dots
Two DotsAI fraud prevention and underwriting agent
Summer 2022San Francisco, CAActive
84
Valence
ValenceUnified prediction markets trading platform
Winter 2026San Francisco, CAActive
85
yearend
yearendOptimize your equity and taxes in real-time.
Winter 2020San Francisco, CAActive
87
Z1
Z1Digital bank for teenagers in LatAm connected to prepaid card
Winter 2021São Paulo, SP, BrazilActive
88
Ziina
ZiinaA digital wallet for the Middle East & North Africa
Winter 2021Dubai, United Arab EmiratesActive

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About this list

This list is part of Round Funded, an investor database and outreach platform for founders. It covers 60,000+ active VCs, angels, family offices and accelerators with verified contacts, lets you send pitches from your own Gmail, and includes a free Data Room for your raise.

Frequently Asked Questions

How many Y Combinator companies are in Consumer Finance (Fintech)?

This directory lists 88 YC companies in Consumer Finance (Fintech), out of 6,207 across every batch since 2005. The count updates when the directory is refreshed, and every one of them is on this page with a link to its public profile.

Are the YC applications on these pages real?

No. YC keeps submitted applications private. Every application linked from this list is a reconstruction: the real YC form questions, answered from the company's public data. The Company section is free on each page; the rest opens in YC Insights.

Which companies on this page are best known?

FutureAdvisor, SmartAsset and Truebill lead the table above. YC marks 3 of the 88 companies here as top companies, its own list of the highest-valued and highest-revenue alumni.

How do I use this list when applying to YC?

Pick five companies on this page whose product is closest to yours, read their reconstructed applications side by side in YC Insights, and note how each answers the same question. Then write your own answers to that standard.

Where does this data come from?

From YC's public company directory, refreshed by batch, with each company's status, industry and location as YC reports them. Round Funded adds the reconstructed application and the founder profiles; nothing private is published.

What is Round Funded?

Round Funded is an investor database and outreach platform for startup founders. It lists 60,000+ active investors with verified contacts, filtered to recent investment activity, and lets founders send personalized pitches from their own Gmail, track replies, and share a free Data Room. Round+ starts at $99 per month with a 3-day trial.