Earn cash rewards for reaching your financial freedom goals.
Debbie is the first app that pays you for paying off credit card balances, building up savings, paying down debt, and learning about your money psychology.
At the core of Debbie is a psychology-based money goals program, where we help you understand your mindset, set financial goals, track your progress, and earn rewards when you reach milestones! Each part of the Debbie program will help you gain the knowledge and tools to upgrade your habits, stay out of debt forever, and build wealth.
Here are the features you can expect from the Debbie app:
- Streaks: personalized monthly credit card payment and savings goals
- Quick Wins: weekly short financial challenges, like checking your balance or credit score
- Pathway: weekly courses that uncover the truth of your money psychology
- Cash rewards for completing all of the above
The app is currently 100% free and sponsored by our partner financial institutions, who are primarily not-for-profit, community-based credit unions.
HERE’S HOW IT WORKS:
1. Download the app and complete your onboarding quiz
The quiz will help us personalize your experience, content, and money challenges
2. Accept your sponsor partner
We are able to offer Debbie for free through our sponsor partners. You will need to open a free checking or savings account with your match in order to redeem your rewards, but you will be able to use Debbie for free without setting up any new accounts. We will eventually offer the ability to bring your own bank, for a small monthly fee.
3. Connect your debt and savings accounts
In order to help you track your progress and reward you for hitting your goals, you will need to hook up any relevant accounts via Plaid. All of your data is encrypted, and never sold to 3rd parties.
4. Get started on your Debbie course
We will walk you through your Debbie course which teach your about your money mindset.
5. Hit your goals and get paid
Complete your debt payoff and savings goals for the month, as well as your weekly Pathway to earn points. Once you reach $50, you can cash out. We offer unlimited cash-outs.
6. Access lower rates on your debt and refinance*
Level up in the Debbie program and gain access to our Rate Crusher, where we help find you a lower interest rate on your debt with our banking partners..
FREQUENTLY ASKED QUESTIONS
How much does Debbie cost?
Debbie is 100% free to the user.
How does Debbie get paid?
We work with financial institutions who sponsor our users in order to improve engagement on their loan and savings accounts. In addition, those partners pay us when we’re able to match you with a product that suits your needs.
How does Debbie save me money?
We focus on making sure you stay on your financial freedom journey and don’t rack the debt back up, as well as reducing the interest burden of your current debts.
Does it really work?
Debbie users have pad off 3x more debt than the average debtor, as well as save around $100/month on average. Do you want to be part of this elite crowd?
Do you have a referral program?
Yes, you can earn $5 per qualified referral. Terms and Conditions apply.
DISCLOSURES
Not a guarantee of approval. Debbie does not extend credit directly. Our credit check won’t impact your credit score. Terms and conditions apply.
This app is a stunning contribution to society that would it have been introduced to me at some earlier point would’ve really set me on a great financial path. The gamification of something boring like debt payoff is a powerful tool to being debt free. I’ve already paid more than I normally would’ve, and not any amounts they would ruin me but definitely more contributions that I otherwise would’ve. Not to mention the weekly pathways go through the ins and out of money from basic things like saving emergency funds, the psychology behind money, and even ways to increase income. I look forward to doing these because it keeps me thinking about money in a healthy way and continuously learning about it which considering how much our lives revolve around money, we don’t do enough. Lastly, the amounts listed in the pathways for rewards are legitimate and are absolutely free! Keep diligent in the pathways, really try on the quizzes afterward, and paying of your debt on schedule and you will actually EARN money! I’m really blown away by the good natured people that decided to build a platform like this. I couldn’t give a high enough rating and the App Store could use about 100 more apps with as benevolent intentions as this. Hats off to the creators and everyone who works on this team for creating such a great product.
Great App
mel_62089
I’ve been using Debbie for a little over a year (I found out about it before it was officially released and was included in beta testing) and I have to say it’s great! There’s lessons and quizzes on finances to earn rewards. Once you reach $50 in rewards you can cash it out. So far I’ve cashed out twice and am very close to my third cash out. It helps me track my debt pay down and savings with goals for each for each month. It’s really awesome. I also just unlocked their rate crusher and got a personal loan to pay off my credit cards at an interest rate that was 10% less than my lowest cc rate so I’ll be able to pay that debt off faster! They used to have features in beta testing where you’d earn extra rewards for making an extra payment on your credit card or adding extra money to your savings. I wish they would bring those back, at least sporadically. Since using Debbie my overall debt has decreased and credit score has increased! All in all it’s a great app.
Developer Response
💚
The rate crusher market place can save lives.
Breannakayy
Found this app almost a year ago I guess, and I think the most compelling aspect of it for me has been the focus on behavioral change, how and WHY I spend, when I spend. Only in the light can we make change. Lol and without this awareness I wasn’t changing. But the game changer for me personally was the Rate Crusher Market Place; I had some older school loans as well as a past debit that I had been trying very hard to just forget about.. for quite awhile actually. Lol After using the app I finally got the confidence up to check into everything and then refinance through the market place using one of the credit unions and actually saved close to $2500 in interest. And even better they’ve paid me in rewards for all of this!! Like who else pays you learn and save money?? Don’t pass it up. 🖤💰
Clunky
crankypancake
This app is okay. It’s extremely frustrating to work really hard to save money or meet goals only to find out they didn’t count. Or if you have two separate accounts at the same institution with two separate logins, you can only count one or the app will be so hard to deal with and both disconnect randomly. The app rewards you for paying off debt, but mortgage debt doesn’t count. Or at least I can’t figure out how to, even with customer service. It’s difficult to find if you’ve received rewards for monthly goals. Overall it’s not very user friendly, not a lot of options or choices to what counts as savings and such. Because I don’t have credit card debt, I don’t get rewarded for paying it off. In fact it feels as though I’ve been penalized for paying off debts all at once. Does it make me think twice before pulling money out of my savings to pay for things I saved for? Yes. It has some useful information and advice as it’s “free” money. I’ve just been thinking about deleting it, honestly. I was waiting until I could cash out before I deleted my account. Maybe it’s just not for me. But if you’ve ever tried really hard to reach a goal and the system slips up or you hit it but not with whatever they decided was the right account, you get frustrated and want to quit the app. Overall, it has good financial education I just think I already knew much of it.
Developer Response
Hi! We are so sorry to hear that you are feeling frustrated. We always want to make sure that you feel like you are getting rewarded for your goals. If you ever hit a streak goal and didn't get rewarded for it, please email us and we'll sort it out for you! 🙌We're a young, growing company and are working hard to build out different use cases for streaks to be fit for everyone- not just those that have credit card debt!We'd love to talk to you more about this feedback and get your account working properly for you, it's really valuable to us! Please send us an email to helpme@joindebbie.com so that we can chat.
Debbie did some heavy lifting to tidy things up. We squashed some bugs, smoothed out rough spots, and made everything run better behind the scenes.
As always, thanks for being part of the Debbie fam! For more updates, follow us on Instagram, TikTok, and Facebook @debbierewards.
Version 2.6.30
The developer, Debbie Inc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Contact Info
Identifiers
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
