Cushion
Cushion is an AI-enhanced app designed to assist in managing, paying, and creating credit through your bills and Buy Now Pay Later (BNPL) p...
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What is Cushion?
Cushion is an AI-powered personal finance platform that helps consumers organize, pay, and build credit with their existing bills and Buy Now Pay Later (BNPL) payments. The app automatically finds and organizes all recurring expenses including utilities, subscriptions, credit cards, and BNPL loans from companies like Klarna, Zip, Afterpay, Affirm, and Sezzle into a single dashboard. Cushion was founded in 2016 by Paul Kesserwani and was acquired by LendingClub in April 2025.
Key features include the AI Bill Organizer that scans linked bank accounts and email to identify recurring expenses, the Calendar Wizard that streams bill due dates to your calendar, the BNPL Manager for tracking all BNPL installments in one place, and the Bank Fee Finder that detects late fees, overdrafts, and ATM fees. Cushion also helps users find and cancel unwanted subscriptions, with the average customer saving $364 annually. The platform offers credit-building features that report BNPL and bill payments to credit bureaus.
Cushion is designed for everyday consumers who juggle multiple bills and subscriptions, people who use Buy Now Pay Later services and want to build credit with those payments, individuals who want to avoid late fees and overdrafts, and anyone looking to cancel unwanted subscriptions and save money. The app supports over 15,000 U.S. banks and credit unions.
The platform provides real-time payment notifications, proactive alerts about upcoming payments and bill changes, spending insights that identify trends, a calendar view for visual tracking, and the ability to search for any purchase across any BNPL provider. Cushion uses 256-bit SSL encryption and top-tier security partnerships, and customer data is never sold.
Cushion pricing
Pricing model: Free
Cushion offers free bill organization but credit-building features require paid subscriptions. Cushion Builder costs $4.99 per month to manage all BNPL payments and build credit on BNPL payments only. Cushion Pro costs $12.99 per month to seamlessly manage all bills and BNPL payments and build credit on all payments. There is also a $4.99 annually fee for premium services including daily transaction scanning, immediate bank fee alerts, and overdraft warning monitoring. For fee negotiation service there is no extra upfront charge but Cushion takes 39% of any successfully negotiated fee refund.
Cushion pros
- Automatically finds and organizes all recurring expenses including utilities, subscriptions, and BNPL
- Single dashboard for managing all bills and Buy Now Pay Later payments in one place
- Builds credit by reporting BNPL payments to credit bureaus
- Builds credit by reporting regular bill payments to credit bureaus
- Helps cancel unwanted subscriptions with Cushion navigating the cancellation process
- Average customer saves $364 annually by canceling unwanted subscriptions
- Calendar Wizard streams bill due dates to your favorite calendar in real time
- Real-time payment notifications prevent late fees
- Proactive alerts warn about upcoming payments and bill changes
- Bank Fee Finder detects late fees, overdrafts, ATM fees, and other pesky charges
- Spending Insights feature identifies spending trends and upcoming expenses
- Calendar view provides visual tracking of monthly expenses
- Search functionality finds any purchase across any BNPL provider
- Supports over 15,000 U.S. banks and credit unions
- 256-bit SSL encryption with top-tier security partnerships
- Customer data is never sold to third parties
- Virtual Cushion card convenient for bills and BNPL payments
- Calendar view is visually appealing for tracking expenses
- First-of-its-kind BNPL loan management including Klarna, Zip, and Afterpay
- Quick account connection securely links banks and credit cards in seconds
Cushion cons
- Credit-building features require monthly subscription fee not free
- Cushion Builder plan at $4.99/month only builds credit on BNPL payments not all bills
- Cushion Pro plan at $12.99/month is expensive for budget-conscious users
- No free tier for credit-building features only free for bill organization
- 39% cut of successfully negotiated fee refunds when using premium negotiation service
- $4.99 annually fee for premium scanning and alert services
- No control over which fees Cushion negotiates or doesn't negotiate
- Limited to U.S. banks and credit unions only 15000 supported
- Mobile app requires adding to home screen manually on iOS not available in app store
- BNPL credit building only works with supported providers not all BNPL services
Frequently asked questions about Cushion
What is Cushion and what does it do?
Cushion is your go-to app for organizing, paying, and building credit with your existing bills and Buy Now Pay Later. It automatically finds and organizes all of your bills and BNPL payments securely connecting to your accounts, providing a clear overview of what's been paid and what's due next. Cushion helps you track payments, build credit history, cancel unwanted subscriptions, and avoid late fees.
How does Cushion help build credit?
Cushion builds credit by reporting your payments to credit bureaus. You can build credit when you make Buy Now Pay Later payments with the Cushion Builder plan at $4.99 per month, or build credit when you pay BNPL, your bills, or both with the Cushion Pro plan at $12.99 per month. Your credit score will thank you for the payments you're already making.
What BNPL providers does Cushion support?
Cushion supports all your BNPL loans including Klarna, Zip, Afterpay, Affirm, Sezzle, and more. With Cushion's BNPL Connect, all of your BNPL payments are brought under one roof giving you full visibility and control to track installments, avoid fees, and pause payments all in one place.
How much does Cushion cost?
Organizing your bills is free with Cushion. For credit-building features, Cushion Builder costs $4.99 per month for BNPL payments only, and Cushion Pro costs $12.99 per month for all bills and BNPL payments. There is also a $4.99 annually option for premium scanning and alert services. For fee negotiation there is no upfront charge but Cushion takes 39% of successfully refunded fees.
Can Cushion help me cancel subscriptions?
Yes, Cushion makes it effortless to find and cancel unwanted subscriptions. The app automatically finds and organizes all your recurring expenses including subscriptions, then Cushion navigates the cancellation process making it easy to save. The average Cushion customer saves $364 annually by canceling unwanted subscriptions.
Is Cushion safe and secure?
Yes, Cushion uses 256-bit SSL encryption and has top-tier security partnerships. Customer data is never sold to third parties. You securely link the banks or credit cards you use frequently, and Cushion finds and organizes your expenses automatically with bank-level security.
What is the Calendar Wizard feature?
The Calendar Wizard streams your bills and payments to your favorite calendar in real time so you no longer need to send yourself reminders. It shows you easily which payments are coming up and which ones you've already paid, with no more bill surprises.
What bank fees does Cushion detect?
Cushion's Bank Fee Finder catches and notifies you about all kinds of pesky bank fees including late fees, overdrafts, ATM fees, and many more. The AI scans your accounts daily and provides immediate alerts each time a bank fee is charged, plus warns you of potential overdraft fees by monitoring expenses and account balance.
How do I get started with Cushion?
To get started, securely connect your accounts to Cushion by linking the banks or credit cards you use frequently. The AI will automatically find and organize all your bills and BNPL payments. You can then review your subscriptions, track upcoming payments, cancel unwanted subscriptions, and choose to build credit with Cushion Builder at $4.99/month or Cushion Pro at $12.99/month.
What is the Insights feature in Cushion?
The Insights feature in the Cushion app identifies spending trends and upcoming expenses giving you a quick snapshot of your progress for the month broken down by BNPL provider. It helps you understand your spending patterns and plan for future payments so bill surprises are not fun but proactive alerts keep you posted.