Hiatus App Review [2024]: Helping You Negotiate Better Rates

Hiatus App could help you negotiate loan rates, cancel subscriptions, and keep track of your general finances.
Updated April 15, 2024
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managing money and budgeting

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There usually are things about our financial lives we could improve. It might be setting aside a day to negotiate the best rates on insurance or remembering to cancel services or subscriptions we no longer need.

However, finding time to tackle the financial to-do list could be difficult. It’s even harder if you have to go through multiple steps, such as calling customer service or gathering multiple quotes to save what may only amount to a few dollars per month here or there.

However, these small amounts add up over time if we never address them. It’s even possible to lose track of recurring payments and subscription charges altogether. According to a 2021 study, 60% of respondents have forgotten about at least one of their recurring payments.

Enter Hiatus App, a financial app that keeps track of your monthly bills and subscription services. It could negotiate better rates and cancel services and subscriptions you no longer use on your behalf.

Let’s inspect what Hiatus App offers, how it works, and in what ways you might benefit from it.

Quick Summary

Manage your budget, tracking your spending, negotiate your insurance rates, and cancel unneeded subscriptions in one app.

  • See if anyone is auto-charging you
  • Cancel unused subscriptions
  • Negotiate your utility bills and insurance premiums
In this Hiatus App review

What is Hiatus App?

Hiatus App is the product of Hiatus, Inc., a company founded in 2016 by David Callis and Todd Gower that has offices in New York and North Carolina. The app is designed to help users increase their financial wellness by keeping track of their recurring bills and subscriptions.

The app’s key features help you stay organized by keeping multiple accounts in one place, reviewing your transactions and significant expenses, and offering analytics about changes in your spending habits.

hiatus app review

The main dashboard keeps track of all your subscriptions and monthly payments. If available, it would provide notifications with potential ways to lower your internet bills, save on your utility bills, or reduce how much you pay for your phone service. Hiatus App will also track your net worth and spending based on the bank accounts and credit cards you link and the transaction data it pulls.

The budgeting feature uses data analytics to help users adjust their spending habits and work toward their financial goals. You could use the app to build up your savings by setting monthly budgets and goals for yourself and letting Hiatus App watch your spending habits. Hiatus App will even categorize your largest purchases over a searchable time frame to help you track high costs.

Hiatus App premium

Hiatus App premium service — $9.99 per month — offers access to a team of people who could negotiate your bills for better rates. It also provides personalized financial services that might help you save additional money.

Hiatus App could quickly compare and offer a list of competitive rates on various services using machine learning and behavioral design. This includes your mortgage, insurance, student loans, and utilities.

Although you have to pay to access these features, it might be worth the money if you’d rather have someone else negotiate your rates or cancel a service.

How does Hiatus App work?

Hiatus App is available on iOS and Android. Users could also access the app via a web-based browser.

The app offers a free version with basic budgeting, net worth calculations, and subscription tracking. You could upgrade to the premium version directly from the app to help you take advantage of potential savings.

hiatus app review

The premium version monitors existing bills and upcoming renewals and fees, alerts you of potential rate increases, and keeps your bank, loans, and mortgage balances in one place. It also tracks your bank account balances to prevent overdraft fees.

One of the app's primary features is to help you cancel unwanted subscription services and potentially find ways to reduce the rates on existing bills. The app also gives you access to a team of people to help you contact vendors for cancellations and fee reductions. The premium service costs $9.99 per month.

Hiatus App offers support through a contact form on its website. It also provides help through email support, and it has a help center with articles that walk users through common issues. These articles cover subjects such as linking bank or subscription accounts, login difficulties, and the process of negotiating bills or canceling subscriptions when using the premium features.

Hiatus Benefits

  • See if anyone is auto-charging you
  • Cancel unused subscriptions
  • Negotiate your utility bills and insurance premiums
  • Ultra-secure, bank-level 256-bit encryption

Who can benefit from Hiatus App?

Hiatus App claims it gives technology a more significant role in daily life and thereby simplifies the daily financial needs of its users. It monitors your linked accounts in real time and could provide analysis and advice that could help you learn how to manage your money and progress on your financial journey.

Some of the most appealing features, such as bill negotiation and subscription cancellation, are only available through the premium subscription. However, the free service could still help you keep track of your accounts in one place. It offers a clean interface without ads cluttering the space so you can see all of your banking accounts, bills, and net worth at a glance.

Hiatus App premium service might be useful for people who sign up for subscriptions then forget about them or need help tracking potential rate changes for their utilities, loans, or other forms of auto billings. The Hiatus App team could help you cancel subscriptions you don’t use. If the vendor requires the user to reach out to them directly, a team member will provide step-by-step instructions to make canceling as easy as possible and alert you to any potential issues.

Although budgeting and money management services are available in many popular financial apps, negotiating lower interest rates with lenders and lower subscriptions with service providers is not a common feature. Hiatus App might be worth the monthly subscription fee considering that these negotiating conversations could be intimidating for some people. For this fee, you’d have someone who could handle these conversations and possibly remove you from the cancellation process altogether.

How to get started with Hiatus App

Hiatus App is available in the Apple App Store, Google Play Store, or a standard web browser. Any U.S. resident 18 years and older could sign up for an account and begin linking their external savings or checking accounts. The app will then view your transaction history and analyze your bank statements for recurring charges.

Hiatus uses bank-level security and integrates with more than 10,000 banks and credit unions via Plaid. Plaid is a fintech company that securely transfers your sensitive information by acting as an intermediary between your bank and various financial apps.

Once your primary banking information is linked, you could add more bank or savings accounts. The app will review your account history and place information about your subscription services and upcoming bills on the main dashboard. If you notice missing subscriptions or bills, you could add them manually. However, note that you cannot edit or change a name on an account once you have manually added it.

hiatus app review

The main dashboard shows you your net worth and spending insights, and if potential savings might be available, the app includes a notification next to the bill. Users on the free plan could see the potential savings available and are offered an opportunity to sign up for a premium subscription so that Hiatus App could help them negotiate with the vendor.

FAQs about Hiatus App

Is Hiatus a legit app?

Hiatus App is a legitimate app available via a web browser or the Apple and Google app stores. There are reports of users not realizing that they were opting into a premium membership when linking their financial institution, so double-check if you only want to sign up for the free version.

The main website of Hiatus App doesn’t offer a detailed description of what’s provided with the free service versus the paid subscription. However, the help desk and the FAQ section provide helpful information about using the app and performing most functions.

How much does Hiatus App cost?

The basic option is free, whereas the Hiatus App premium membership is $9.99 per month or $39.99 a year, which comes down to $3.33 per month. It is easy to opt in to the premium membership, so be aware of any boxes you click. If needed, you can unsubscribe from the Hiatus premium service through account settings (iOS platform) or subscription settings (for Android and web users).

Does Hiatus App lend money?

The Hiatus App does not lend money or offer cash advances, but it has a partnership with Lending Tree, an online lending marketplace, to provide access to personal loans.

Other budgeting apps to consider

You might try Hiatus App and decide that it doesn’t fit your needs. Luckily, there are a variety of financial assistants available, and there is bound to be one that could help you make the most of managing your finances.

Some apps to consider are:

If you like the idea of an app that helps you to negotiate your utility, internet, or phone bills, Rocket Money might work for you. It enables you to track subscriptions and find potentially lower rates or discounts. Rocket Money also tracks and offers insight into your credit score and automates your savings. Premium services may cost between $3 and $12 per month.

For more details, read our Rocket Money review.

Simplifi is a web-based personal finance app by Quicken that helps you track your income and expenses in real time. It also offers goal creation, spending plans, and watch lists. Simplifi costs $2.99 per month, billed annually.

For more details, read our Simplifi review.

Digit is a savings app that helps you focus on budgeting, saving, and investing. It allows you to allocate your paycheck by moving money into a secure account so you don’t accidentally spend what you have before you pay your bills or invest. Digit offers a 30-day free trial. It then costs $5 per month.

For more details, check out our Digit review.

Hiatus Benefits

  • See if anyone is auto-charging you
  • Cancel unused subscriptions
  • Negotiate your utility bills and insurance premiums
  • Ultra-secure, bank-level 256-bit encryption

Author Details

Kate Daugherty Kate Daugherty is a professional writer with a passion for providing others the head start they deserve on their financial journeys. Largely self-taught, Kate relied on books, blogs, and trial-and-error to learn how to budget and save for the future, all while working to pay back about $15,000 in student loans.

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