Our Story
Financial Freedom Shouldn't Cost Your Mental Health
We built Ovr Finance to help people like us — hardworking, responsible, but stuck under debt they didn't fully understand.
Why We Built Ovr
Debt is more than just numbers on a screen. It's 3am anxiety. It's avoiding phone calls. It's the weight on your chest that never quite goes away.
For too long, financial apps have been built by people who've never felt that weight. They treat debt as a purely mathematical problem: Pay this amount. Track this number. Follow this formula. But they've ignored the most important part: how debt makes you feel.
Ovr Finance was born from lived experience, not corporate boardrooms. From working six days a week and still watching the balance climb. From understanding that “just stop spending” isn't helpful when you're covering groceries and car repairs.
We created Ovr because we believe you deserve better.
You deserve an app that recognizes that debt isn't just about money — it's about stress, fear, shame, and hope. You deserve tools that help you both pay off debt faster AND find peace of mind along the way.
So we built Ovr for your whole self — financial health and mental wellbeing, together. By someone who gets it. For people who are working hard but need a real path forward.
Because financial freedom isn't just about being debt-free. It's about breathing easier, sleeping better, and feeling like yourself again.
Meet Justin Mazur
Founder & CEO
I didn't come from finance. I came from the real world — serving tables, bartending, and chasing dreams that didn't pay the bills on time.
From the time I was 17, I was deep in hospitality. The kind of work where you're on your feet for ten hours, where your income swings wildly depending on whether it's a Tuesday in January or a Saturday in summer.
I wasn't buying anything extravagant. I was covering groceries, gas, the unexpected car repair. Life. And every month, the minimum payment felt like throwing pennies at a mountain.
“Ovr came from that moment when you finally get over the hump — not just financially, but emotionally. When you stop feeling crushed and start feeling like you're going to make it.”
— Justin Mazur, Founder
Why I'm the One Building This
I graduated from Rutgers with a degree in Communication, not Finance. And honestly? That's the point.
Ovr isn't built by someone who worked on Wall Street. It's built by someone who lived it. Someone who knows what it's like to avoid opening your banking app because you're scared of what you'll see.
Because you're not broken. You just need a plan that actually works for real life.
Our Mission
To help people achieve financial freedom while supporting their wellbeing every step of the way.
Intelligent
AI Recalibration will rebuild your payoff plan around your real balances, APRs and budget.
Compassionate
Mental wellness support because your emotional health matters. The Calming Center will be free on every plan.
Hopeful
Realistic plans that show you the path forward — one week at a time.
Our Values
The principles that guide everything we do
Wellbeing First
Your mental health is as important as your financial health. The Calming Center will be free on every plan.
Transparency
No hidden fees, no shame, no judgment. We tell you exactly how everything works and what to expect.
Empathy Not Judgment
We know you're working hard. Debt doesn't make you a failure — it makes you human.
Innovation with Heart
Technology should serve people. Our AI will be powerful, but our approach will always be human.
Accessibility for All
Everyone deserves access to financial wellness tools. That's why there will always be a free plan.
The Calming Center
We address both your financial stress AND your emotional wellbeing.
66%
of U.S. adults say money is a significant source of stress
APA, Stress in America 2025
2.8x
the odds of depression among people with unsecured debt
Richardson et al., 2013
The Calming Center will be free on every plan.
Included at launch
Breathing Exercises
Quick calming techniques for moments of stress
Journaling Prompts
Reflect on your progress and feelings
Planned for after launch
Guided Meditations
Sessions for financial stress and anxiety
Soundscapes
Background audio for focus and relaxation
Security First
How Ovr handles your information, and what we deliberately never touch
Encrypted Connections
Information transmitted between you and Ovr travels over encrypted HTTPS/TLS connections.
Established Partners
Account connections and billing will run through established providers (Plaid, Apple, Google).
Read-Only Access
Ovr will only ever be able to view your account information — never move money, never see your credentials.
Never Sold
Your data is yours. We never sell personal information. Revenue will come from subscriptions only.