Clerkie
Henry Labs Inc · Other
Clerkie is an AI debt payoff app from Henry Labs that negotiates balances, tracks bills, and builds payoff plans for credit cards, student loans, auto loans, and medical debt.
About Clerkie
What Is Clerkie
Clerkie is a consumer debt relief app that puts a debt negotiator in your pocket, and its AI debt negotiation runs on the same account data you connect. Henry Labs founded it in 2016 in San Francisco to give people in financial trouble a straight answer about their options. The app now handles the boring part of that answer: comparing payoff paths, contacting creditors, and watching due dates so nothing slips.
It covers five debt types in one place. Credit cards, student loans, personal loans, auto loans, and medical bills all get the same treatment: a negotiated balance or rate where the lender agrees, then a plan that recalculates when income or expenses move. The company publishes member wins such as $1,820 cut from a Capital One balance and $3,420 cut from a Sallie Mae loan. Treat those as company examples, not typical results.
The limits matter before you sign up. Clerkie works with US debts only, and every negotiation depends on the creditor saying yes. There's no Android app at the moment, so members use iOS or the web app at app.clerkieapp.ai.
Getting Started
- Create an account on the web app or download the iOS app, then verify your identity.
- Connect the debts, bills, and income sources you want Clerkie to work with.
- Review the payoff plan it builds, pick which accounts to negotiate, and approve the outreach.
- Track progress in the app, respond to offers, and add credit disputes when a report shows errors.
Product Information
A quick look at Clerkie's pricing, supported platforms, and performance.
Best for
The users, tasks, and scenarios where this tool fits best.
Users
- People carrying credit card balances
- Borrowers with federal or private student loans
- Employees whose company offers Clerkie as a benefit
- Anyone who forgets due dates
Tasks
- Negotiating a lower balance or APR
- Mapping a debt consolidation plan
- Disputing credit report errors
- Budgeting around irregular income
Scenarios
- A first serious look at your debt
- A medical bill you can't pay in full
- Getting a payoff plan back on track after a setback
- An HR team adding a financial wellness benefit
Key features
Debt Negotiation With Creditors
Clerkie contacts lenders and asks for a lower balance, a lower APR, or a settlement. The company says members have erased up to 70% of a balance this way, and that figure comes from its own marketing rather than an independent audit. You approve the outreach before anything is sent, and you see the offer before accepting it.
Personalized Payoff Plans
The app turns your balances, rates, and income into a month by month payoff plan. When your income rises or a bill drops, the plan updates on its own. That matters for anyone whose budget changes more often than once a quarter.
Bill Tracking and Due Date Alerts
Clerkie watches balances, statements, and due dates, then warns you before a payment is late. Most bill tracking apps stop at the reminder. This one also folds the due date into the payoff plan, so a payment never competes with a negotiation for the same dollars. It's also the feature people notice first, because one missed autopay can cost more than a month of progress.
Credit Score Repair and Disputes
Negotiated accounts and dispute wins feed into credit repair work inside the app. Clerkie files disputes on report errors and tracks what changes. Your score is not guaranteed to move, and the timeline depends on how fast each bureau responds.
Five Debt Types in One Place
Credit cards, student loans, personal loans, auto loans, and medical debt each get their own path. Student loan payoff splits into federal, private, and refinance routes. Medical bills get dispute and settlement handling. Consolidating five logins into one app is the practical win here.
Employer and Benefit Partner Access
Companies can offer Clerkie to employees and members as a financial wellness benefit. The integration covers Workday, Gusto, ADP, Rippling, and BambooHR, and the company says setup takes about a week. Employers see aggregate savings and engagement numbers, never an individual's debt details.
Pros and cons
Pros
- Negotiation happens for you, so you don't have to script a call with a collections agent.
- One app covers five debt types, which beats juggling separate portals for cards, loans, and medical bills.
- The payoff plan recalculates when income or expenses change, so it stays usable after a setback.
- Bill tracking and due date alerts catch the mistakes that quietly cost money.
- Employer-sponsored access is free to the member, and enrollment takes minutes.
Cons
- US only, so borrowers in other countries can't use it.
- No Android app, which leaves Android users on the web version.
- Results depend on creditor cooperation, and a lender can simply say no.
- The iOS build hasn't been updated since late 2023, so the web app is where new work happens.
Frequently asked questions
Yes for members. The consumer app costs nothing, and if your employer or a partner organization offers Clerkie, enrollment comes through them. The company earns from enterprise software and partner arrangements rather than a consumer subscription.
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