Changed: Automate Debt Payoff

Name: Changed: Automate Debt Payoff
Rating: 4.6 (4714 reviews)
Author: Changed Inc.

Manage, Track & Get Debt Free

Free

4.7K Ratings
Ages

4+
Years
Category

Finance
Developer

Changed Inc.
Language

EN
English
Size

134.3
MB

Changed is your simple debt payoff planner! Manage and track all your loans in one easy-to-navigate app, automate extra payments, and save big on interest. "If you have Debt, you need this app." — Mark Cuban, Changed Investor Changed is your all-in-one debt payoff planner, designed to help you manage, track, and eliminate debt with ease. Whether you’re tackling credit cards, student loans, mortgages, or any other type of debt, Changed provides the tools and strategies you need to reach your financial goals and live a debt-free life. WHY CHOOSE CHANGED? • Easily organize and monitor debt from multiple sources. • Set clear goals, track your progress, and stay motivated. • Follow simple strategies to pay off debt faster. **MULTIPLE LOAN CATEGORIES SUPPORTED** • Credit Cards (Capital One, Citicard, Chase, etc) • Student Loans (Navient, Sallie Mae, Great Lakes, etc) • Auto/Car Loans • Medical Loans • Mortgages (Rocket Mortgage, SoFi, etc) • Personal Loans (private lenders, etc) • Taxes (IRS or local municipalities, etc) • Other Loans (paycheck loans, hard money loans, etc) **FLEXIBLE PAYOFF STRATEGIES** • Debt Snowball (Dave Ramsey Method): Pay off smaller balances first to build momentum. • Debt Avalanche: Target high-interest debt to save on interest costs. • Debt Snowflake: Use extra, one-time payments or Boosts to speed up your payoff. • Custom Plans: Create a personalized strategy that fits your financial goals. **ROUND UP SAVINGS** • Automate Extra Payments: Round up your daily purchases and send extra payments to your debt. • Flexible Allocation: Choose how much goes toward debt or Stash My Cash, based on your goals. • Boost Savings: Combine with Stash My Cash to grow your savings while chipping away at debt. **DEBT PAYOFF CALCULATOR** • Exact Savings: See exactly how much time and money you’ll save using Changed. • Visualize Progress: Track the impact of extra payments on your journey to debt freedom. **AUTOMATE AND SCHEDULE EXTRA PAYMENTS** • Scheduled Boosts: Set up transfers that fit your budget, whether it’s $15 every Friday or $1 daily. • Automate Savings & Payments: Changed handles your extra payments automatically, reducing your debt without hassle. **MONITOR AND TRACK YOUR CREDIT SCORE** • Stay on top of your credit score while paying off debt. • Get regular updates and insights to track your progress. • Build better financial habits with real-time monitoring and actionable insights. **REWARDS AND RESOURCES** • Changed PERKS: Earn points and bonuses for hitting milestones. • Loan Resources: Learn best practices for managing and paying off debt. • Get rewarded for referring your friends! **STASH MY CASH** • Automate Savings: Automatically set aside funds for emergencies or big purchases while paying down debt. • Flexible Allocation: Split your savings between paying off debt and building your savings fund—or put 100% into Stash My Cash. • Achieve Financial Goals: Whether you're saving for a vacation, a car, or an emergency fund, Stash My Cash keeps you on track. **WHY IT WORKS** • Strategize Your Debt: Choose from Snowball, Avalanche, Snowflake, or a Custom method—Changed supports your unique approach. • Total Control: Visualize your debt, see real-time progress, and fine-tune your strategy whenever you want. • Seamless Integration: Aligns with your everyday spending and automates payments in the background.= Join thousands who’ve paid off over $60 million in debt with Changed. Changed members save an average of $60-$70 per month through spare-change roundups and enjoy peace of mind with automated debt management. **GET STARTED TODAY** Take control of your finances and join the debt payoff revolution. Changed makes it easy to manage, track, and eliminate debt, helping you save thousands on interest and reclaim years of your life. Download Changed now and start your journey to a debt-free future! CONTACT US Have questions? Reach out at support@changedapps.com—we’re here to help!

Ratings & Reviews

4.6

out of 5

4.7K Ratings

Love this app from the beginning!
11/12/2020

Owl-Moon
I started using this app in 2017, and I tell everyone about this app. Thanks to this app and my spare change, I might actually pay off my loan by the start of the new year! (A great way to start 2021 since 2020 sucked.) And for reference, I finished college in 2002. It takes time for money to transfer, but be patient and watch your bank account. I was impressed that when I contacted the developers asking about my first $100 transfer, I quickly received a personal response with an explanation on how it can take about seven days. Right now, my only “complaint” is that after an update a few years ago, my data seemed to stop showing my “interested saved” and time saved details. While that is not as important as knowing that my money is safe, I like knowing those little details as it gives me a sense of accomplishment. I don’t want to delete and download again to see if that fixes anything, but if you got any suggestions, I’m will to hear them. Overall, you won’t regret using this app to save you money in the long term on your student loans.*** Edit: As soon as I posted, the developers reached out to offer help with my “complaint”. Again, amazing app with support staff. You will not regret using this to help save you money!

Developer Response
Hi Owl-Moon,Thank you so much for your amazing feedback! We couldn't be happier to hear ChangEd is getting you to the finish line! If you are having trouble seeing your savings just tap on the get support button in settings and we'd be happy to help.RIP Student Loans,The ChangEd Team
Love this app from the beginning!
11/12/2020

Owl-Moon

I started using this app in 2017, and I tell everyone about this app. Thanks to this app and my spare change, I might actually pay off my loan by the start of the new year! (A great way to start 2021 since 2020 sucked.) And for reference, I finished college in 2002. It takes time for money to transfer, but be patient and watch your bank account. I was impressed that when I contacted the developers asking about my first $100 transfer, I quickly received a personal response with an explanation on how it can take about seven days. Right now, my only “complaint” is that after an update a few years ago, my data seemed to stop showing my “interested saved” and time saved details. While that is not as important as knowing that my money is safe, I like knowing those little details as it gives me a sense of accomplishment. I don’t want to delete and download again to see if that fixes anything, but if you got any suggestions, I’m will to hear them. Overall, you won’t regret using this app to save you money in the long term on your student loans.*** Edit: As soon as I posted, the developers reached out to offer help with my “complaint”. Again, amazing app with support staff. You will not regret using this to help save you money!
Developer Response 10/14/2020
Hi Owl-Moon,Thank you so much for your amazing feedback! We couldn't be happier to hear ChangEd is getting you to the finish line! If you are having trouble seeing your savings just tap on the get support button in settings and we'd be happy to help.RIP Student Loans,The ChangEd Team
Excellent
Apr 18

October 22
I have been using Changed since their premiere on Sharktank. It has made a huge impact on reducing my debt worry and hassle-free. The freeze time was a bit stressful of course not knowing where my money went/ was stuck at. But the communication during the freeze was excellent, while there wasn’t much said usually, it was nice to know the users weren’t forgotten about. Days after the “it’s been resolved” notification went out I received a check for the amount of my “missing” money, it was a smooth process. I have continued to use this app now that it is back up and running and plan to continue to do so as long as it’s functioning. I have made so many extra payments on my debts including student loans/mortgage/credit card/auto loans, all painless and without any thought from me. Excellent experience all around.

Developer Response
Hi There,Thank you for the amazing feedback and sticking with us. We're glad Changed is making an impact on your debt pay off journey.The Changed Team
Excellent
Apr 18

October 22

I have been using Changed since their premiere on Sharktank. It has made a huge impact on reducing my debt worry and hassle-free. The freeze time was a bit stressful of course not knowing where my money went/ was stuck at. But the communication during the freeze was excellent, while there wasn’t much said usually, it was nice to know the users weren’t forgotten about. Days after the “it’s been resolved” notification went out I received a check for the amount of my “missing” money, it was a smooth process. I have continued to use this app now that it is back up and running and plan to continue to do so as long as it’s functioning. I have made so many extra payments on my debts including student loans/mortgage/credit card/auto loans, all painless and without any thought from me. Excellent experience all around.
Developer Response Apr 21
Hi There,Thank you for the amazing feedback and sticking with us. We're glad Changed is making an impact on your debt pay off journey.The Changed Team
Do NOT sign up for this service
Jan 22

shot_through_it
They had some issues with their servicer that tied up customers’ funds for months - and still many have not received their money back. This is not “refunds” for cancelled services, this is money their app withdraws to supposedly pay down your debts. I tried to cancel this service last year in May, they told me that the account would be cancelled and I would receive the funds, however then these issues started with the bank they use to hold customers’ money. So customers received “status updates” about ongoing discussions, meetings, and court proceedings all while our money just sits somewhere. I have a long “support” email chain about all this and my cancelled account - but then today saw that they’ve started up again and pulled money from my checking again and have “extended” my membership - which I cancelled in May.Do not, I repeat DO NOT, work with this app or company. Their UX is slick, the app looks great - but their customer service is absolutely awful. Their response to the issues that happened with the banks they were working with has been delusional. And there is no way to get anyone on the phone. There are other apps out there that do the same thing, try one of those.

Developer Response
Just wanted to check in and share that Evolve has returned all funds to members earlier this year. We know how upsetting it was to have your funds tied up and to feel like your cancellation wasn’t handled the way it should have been. The Synapse/Evolve issue has since been fully resolved and all funds were returned to members earlier this year. We’ve also made improvements to support and account management so members can reach us more easily and manage their accounts with clarity. We’d love for you to give Changed another look now that everything is back on track and our focus is where it should be, helping people pay off debt in a simple and stress free way. - The Changed Team
Do NOT sign up for this service
Jan 22

shot_through_it

They had some issues with their servicer that tied up customers’ funds for months - and still many have not received their money back. This is not “refunds” for cancelled services, this is money their app withdraws to supposedly pay down your debts. I tried to cancel this service last year in May, they told me that the account would be cancelled and I would receive the funds, however then these issues started with the bank they use to hold customers’ money. So customers received “status updates” about ongoing discussions, meetings, and court proceedings all while our money just sits somewhere. I have a long “support” email chain about all this and my cancelled account - but then today saw that they’ve started up again and pulled money from my checking again and have “extended” my membership - which I cancelled in May.Do not, I repeat DO NOT, work with this app or company. Their UX is slick, the app looks great - but their customer service is absolutely awful. Their response to the issues that happened with the banks they were working with has been delusional. And there is no way to get anyone on the phone. There are other apps out there that do the same thing, try one of those.
Developer Response Oct 3
Just wanted to check in and share that Evolve has returned all funds to members earlier this year. We know how upsetting it was to have your funds tied up and to feel like your cancellation wasn’t handled the way it should have been. The Synapse/Evolve issue has since been fully resolved and all funds were returned to members earlier this year. We’ve also made improvements to support and account management so members can reach us more easily and manage their accounts with clarity. We’d love for you to give Changed another look now that everything is back on track and our focus is where it should be, helping people pay off debt in a simple and stress free way. - The Changed Team
Do not download this
Jun 26

Saraheliza375
I was so excited to use this app.. I set up my account very quickly and should have read the reviews. First issue was it did not find my student loans immediately, but I decided I’d just use it for my car loan. Then the app crashed a few times and I had to go through all the steps multiple times before it was completely setup. THEN, I went back and read reviews about people’s money being held and not being able to be accessed. I chickened out and tried to cancel everything, only to find out you can only cancel your subscripted after the support team has REVIEWED your request. I got an email saying my request was under review and they would get back to me. That was four days ago and still haven’t heard back. They have already made a withdraw from my account - and when I went to login to see if the money was there I was just given a screen saying my account was under review. I couldn’t see anything. So I guess I will just sit here and wait for them to respond…? Very strange that you have to be approved to cancel your subscription. Hopefully my bank can block the payments.

Developer Response
Thanks for sharing your experience. The issue you’re referring to was related to a former banking partner and has since been fully resolved. All impacted funds were returned, and we’ve moved forward with a new banking partner to help avoid situations like that in the future.Regarding cancellations: accounts go through a quick review process to ensure everything is closed out properly, especially if there are any pending transactions. You’ll receive a confirmation once that’s complete, and no future charges will be made.If you have any questions in the meantime, you can always reach us at support@changedapps.com.– The Changed Team
Do not download this
Jun 26

Saraheliza375

I was so excited to use this app.. I set up my account very quickly and should have read the reviews. First issue was it did not find my student loans immediately, but I decided I’d just use it for my car loan. Then the app crashed a few times and I had to go through all the steps multiple times before it was completely setup. THEN, I went back and read reviews about people’s money being held and not being able to be accessed. I chickened out and tried to cancel everything, only to find out you can only cancel your subscripted after the support team has REVIEWED your request. I got an email saying my request was under review and they would get back to me. That was four days ago and still haven’t heard back. They have already made a withdraw from my account - and when I went to login to see if the money was there I was just given a screen saying my account was under review. I couldn’t see anything. So I guess I will just sit here and wait for them to respond…? Very strange that you have to be approved to cancel your subscription. Hopefully my bank can block the payments.
Developer Response Jun 27
Thanks for sharing your experience. The issue you’re referring to was related to a former banking partner and has since been fully resolved. All impacted funds were returned, and we’ve moved forward with a new banking partner to help avoid situations like that in the future.Regarding cancellations: accounts go through a quick review process to ensure everything is closed out properly, especially if there are any pending transactions. You’ll receive a confirmation once that’s complete, and no future charges will be made.If you have any questions in the meantime, you can always reach us at support@changedapps.com.– The Changed Team

Hey Squirrel Squad! We're working our tails off to ensure you all have the best experience with Changed. Taking your feedback and making updates to the app is what we live for. Please always send feedback to support@changedapps.com and we'll take a look. In this update... - We’ve redesigned the Payments and Transaction Details pages for a clearer, more streamlined experience. - We searched long and far...found some bugs...and kindly asked them to leave. As always, we want all of the squad to say RIP Debt. Get after it!

Version 5.21

3d ago

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