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Trim Reviews & Overview

Rated 3.985 out of 5
4/5

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This is our carefully calculated Finalized Editorial Rating. Use it to get a snapshot of a platform's overall quality. It's calculated based on all of the in-depth research and user interviews we've gathered on a platform. Learn more about our editorial review process.

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Unrated. This is an aggregate overall user rating, calculated based on real reviews from Trim users.

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    Trim Review At a Glance

    • We believe Trim is legit. We gave it a trust rating of 4/5. View reasoning.
    • Based on our combined research and user reviews, Trim seems to provide a good product/service for Members. It has an overall consumer score of 4/5. View our research.

    What Is Trim?

    Trim is a personal finance platform that helps members save money and manage their finances with tools like automated bill negotiation, expense tracking, budgeting, subscription cancellation, and more. Founded in 2015, the platform claims to have over 3M members who have collectively saved over $86M.

    General Details 📜

    Status:Active, Legit
    Helps You:Budget Money Save Money Track Money
    Platform Type:Financial
    Opportunities:Auto Insurance Savings Automated Bill Negotiation Cable TV Service Savings Cell Phone Service Savings Financial Tracking

    All Opportunities

    ×
    All of the opportunities available on this platform.
    Auto Insurance Savings Automated Bill Negotiation Cable TV Service Savings Cell Phone Service Savings Financial Tracking Internet Service Savings Landline Phone Service Savings Personal Budgeting Satellite Radio Service Savings Subscription Savings

    Contact Info ☎️​​

    Socials:LinkedIn • Twitter • Facebook
    Emails:help@asktrim.com (for general support) • security@asktrim.com (for removing personal info) • privacy@asktrim.com (for privacy-related questions)
    Support Pages:FAQ • Helpdesk

    Company Details 🏢​​​

    Founded:2015
    Legal Name:OneMain Trim, LLC
    Also Known As:Ask Trim
    Parent Company:OneMain Financial
    Founders:Thomas Smyth
    Headquarters:San Francisco, California, United States

    Who Is Trim For?

    Trim is for anyone looking for an automated way to save money or an easy way to track their finances and create a simple budget.

    Requirements 🔎

    Minimum Age:13 years old
    Those under the legal age of majority must have permission from a parent or legal guardian.
    Supported Locations:United States
    Supported Languages:English
    Supported Devices:Computer Browser, Smartphone Browser, Tablet Browser
    Trim can be accessed via web browser on any device (user experience may vary).

    How Does Trim Work?

    There's 1 type of user on Trim:

    • Members (buyers / consumers)

    Here's how Trim works for them:

    How Trim Works For Members

    Trim members can save money by using the platform's automatic bill negotiation service, finding (and canceling) unwanted subscriptions, tracking finances, budgeting, and more.

    Key Points 🔑

    Costs / Fees:Trim is free to use besides its bill negotiation feature. If you're not a OneMain customer and Trim successfully negotiates one of your bills, they will charge you a 15% fee on your total yearly savings. For example, if they save you $10/month for 12 months ($120/year), they'll take $18 as a success fee. You won't be charged if they fail to get you a better deal.
    Minimum Purchase:None
    Payment Options:Credit Card
    Pros:
    • Find automatic savings through bill negotiations and subscription tracking.
    • Simple and easy-to-use budgeting and financial tracking tools.
    • Helpful liability payoff calculator. Perfect for coming up with a quick debt payoff plan.
    Cons:
    • Some members have reported that, when negotiating their bills, Trim messed up their plan or gave them a worse plan during bill negotiation.
    • Pretty basic budgeting and tracking features. If you're looking for something more feature-filled and robust, Trim most likely won't fill all of your budgeting needs.
    • Can't cancel all subscriptions. Some will need to be canceled manually.

    Getting Started 🔢

    Becoming a Trim member is free. To get started, head over to the website and create an account. You can sign up via an existing Facebook or Google account, or by providing your full name and email address.

    From there, you'll be asked to provide a phone number to verify your account.

    Managing Finances 💼

    Once you're in, you can start exploring the platform and trying out some of the features, including:

    • Bill negotiation. Automatically negotiate your cable, internet, landline, cell phone, and satellite radio bills. Just select your service provider, upload your bill, fill out your requirements, and Trim will do the rest.
    • Subscription monitoring and cancellation. Monitor your transactions to find and isolate subscriptions automatically. Trim can even cancel some subscriptions for you in a single click.
    • Budgeting. Enter your income, monthly expenses, and annual expenses, and Trim will output some quick data to help you better understand your financial situation.
    • Tracking. Track your accounts, income, and expenses, and get notifications for things like payday deposits, fees, due payments, large transactions, and more.
    • Liabilities calculator. Enter a target monthly payment for all your liabilities (e.g. credit cards, mortgage, car loan, etc.) and Trim will automatically calculate how long it'll take for you to pay off all your debts, how much interest you'll pay, and more.
    • Car insurance comparisons. Enter your car insurance info and Trim will automatically monitor and compare rates to find you a better deal.

    Note that some of the features above will require you to connect your bank account to Trim. This is done via Plaid, a 3rd party financial service.

    Pricing 🏷️

    Trim is free to use and only charges a 15% fee on first-year savings for successful bill negotiations. For example, if they save you $100/year, they'll charge you $15.

    Note that if you're a OneMain customer, Trim's bill negotiation services are free.

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    Trim Images

    Trim website homepage
    Adding a bill for negotiation on Trim
    Trim subscription tracker with cancellation option
    Trim budget tracker tool
    Trim transaction monitoring and notifications settings
    ×
    Trim website homepage
    Adding a bill for negotiation on Trim
    Trim subscription tracker with cancellation option
    Trim budget tracker tool
    Trim transaction monitoring and notifications settings
    ❮❯
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    Our Editorial Trim Review

    Rated 3.985 out of 5
    4/5

    What's This?

    ×

    This is our carefully calculated Finalized Editorial Rating. Use it to get a snapshot of a platform's overall quality. It's calculated based on all of the in-depth research and user interviews we've gathered on a platform. Learn more about our editorial review process.

    Is Trim Legit?

    We believe Trim is legit. It was founded in 2015, is owned by OneMain Financial (a large personal loans company), and is backed by multiple investors with over $11M in funding. The only red flag we could find was the platform's lack of social media activity, but this doesn't suggest that Trim is a scam.

    Green flags:

    • Founded in 2015.
    • Owned by OneMain Financial, a personal loans company that acquired the platform in 2021.
    • Is backed by multiple investors, with over $11M in funding.
    • Transparent website with helpful FAQs, info, and details about the team behind the platform.
    • Has positive reviews across the web.

    Red flags:

    • Inactive on social media.

    Trust Rating:

    Rated 4 out of 5
    4/5

    What's This?

    ×

    This is our carefully calculated editorial Trust Rating. This rating gives you an idea of how trustworthy a platform is. It's calculated based on the age of the platform, company information, social sentiment, and more. Learn more about our editorial review process.

    Note: All research is done independently and could be wrong or change as new information is gathered. Please do your own due diligence.


    Is Trim Worth it for Members? Does It Offer Good Value?

    Trim isn't a complete replacement for all your financial tools, but it can be a nice addition. For those looking to save money without a ton of effort, Trim is perfect. The automatic bill negotiation can be a huge time saver, subscription monitoring and cancelation is another great way to save automatically, and the other features are cherries on top of the cake. Plus, besides the bill negotiation feature, it's completely free to use.

    Consumer Rating:

    Rated 3.97 out of 5
    4/5

    What's This?

    ×

    This is our carefully calculated editorial Consumer/Buyer Rating. This rating gives you an idea of the overall quality of a platform's products and/or services. It's calculated based on costs & fees, value, minimum payment required, user experience, and more. Learn more about our editorial review process.

    Safety: 3/5

    Is Trim safe for Members?

    The primary concerns with Trim's safety are the fact it requires phone number verification for all members, bank account connections for certain features, and a photo of your service provider bill for bill negotiation.

    Phone number verification is common, so not a huge concern. It doesn't look like your phone number is used for anything other than account verification either.

    Bank account connections to Trim are done through Plaid, a 3rd party provider. This means Trim never actually sees your bank login details. However, Plaid does, so that could be a concern for some, though the platform does seem safe and secure.

    Finally, uploading your bills to Trim should be relatively safe. However, your bills most likely contain personal information on them, so keep that in mind.

    In the end, Trim mentions in their privacy policy that they never rent or sell personal information in personally identifiable form. This means they may sell some of your info (e.g. to advertisers) but never in a way that it would be able to be connected to you. This is good.

    Trim also seems to take account and data security seriously, which is always important. We haven't seen any reported data breaches linking back to the platform.

    Support Quality: 4/5

    Does Trim offer good support for Members?

    Trim support is active and responsive.

    Costs & Fees: 4/5

    What's the overall pricing (costs and fees) like for Trim Members?

    Trim charges a 15% fee on successful bill negotiations, which is pretty fair and competitive compared to similar services.

    Minimum Purchase: 5/5

    Does Trim have a minimum purchase amount for their products/services?

    Trim has no required minimum payment amount.

    Value: 4.5/5

    Is Trim worth the money for Members?

    Trim is very easy to start using, offers straightforward and simple (but well-made) features, and doesn't require any upfront subscription payment.

    User Experience: 4/5

    How is the overall user experience for Trim Members?

    The platform is very easy to use. The tools offered are simple. That being said, some users might want something more complex.


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    Trim Statistics

    General Platform Statistics

    515k

    Global Site Rank

    85k

    Avg. Monthly Site Visitors

    3M+

    Total Members

    $86M+

    Total Saved by Members

    800k+

    Bills Negotiated

    $213

    Avg. Yearly Savings Per Member

    Data as of September 12, 2023 • Sources: AskTrim.com, Similarweb

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