Gauss: Payoff Credit Card Debt 4+
Manage Debt, Credit & Budget
Gauss Rewards LLC
-
- Free
iPhone Screenshots
Description
Reach your financial goals with new ways to boost credit, financial trends and insights, low APR cash to pay off credit cards.
Reach your financial goals with personalized insights, visualize your progress, build credit, and pay off debt from one app.
Experience the smartest way to manage and pay off credit cards. We’ve helped users pay off millions in credit card debt.
CREDIT BUILDING
Boost your credit with Gauss Credit Builder. You'll get a credit line reporting to all three major bureaus that helps you build positive credit history, even with no credit or low scores. No credit check, instant initial reporting.
MOVE BALANCES OFF EXPENSIVE CARDS
Instantly transfer up to $15k from expensive credit cards to a low APR credit line. Pay off balances much faster and save hundreds of dollars on interest charges. Instant approval, soft credit check. See Details section for more information.
ALL YOUR CREDIT CARDS IN ONE APP
Different due dates, minimum payments, separate logins, APRs, and balances can be hard to keep up with. Easily manage all of your credit card bills from a single app.
SEE YOUR DEBT FREE DATES & RECOMMENDED PAYMENTS
See the exact month your debts will be fully paid based on your monthly contributions. Increase your contributions to move your debt-free dates up with our recommended payments.
GRAPH YOUR MONTHLY PROGRESS
Visualize your progress and watch your net worth grow as you pay off debt. Stay motivated as you see your total debt decrease while your financial health strengthens.
TRACK YOUR CASH FLOW
Track all of your income and expenses with ease. We bring all of your transactions together to show a clear snapshot of your finances and where you can improve. See how you spend and earn across categories and accounts, instantly understand how much cash you retain, review larger transactions, uncover services that you no longer use and more.
SMART BUDGETING
Easily set and track monthly budgets to pay off debt faster and save more. Use personalized budget recommendations based on your data to get started in less than a minute. See a clear snapshot of your monthly spend broken out by category and get alerts when you’ve gone over budget. Track your progress with everything graphed out in your dashboard for easy monitoring.
DATA SAFETY
Your data security and privacy is our top priority. Bank-level security is applied to all your data, and all of your data is 256-bit encrypted. You link your banks via Plaid - the industry leader in secured and private bank connectivity. All data is read-only. You can disconnect your accounts at any time. We don’t sell or share your data with any third parties unless required by law.
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COMING SOON:
PERSONALIZED FINANCIAL AI-ASSISTANT
Chat with an AI-powered personal finance assistant to make the perfect decision with your money, every time.
AUTOMATED SNOWBALL AND AVALANCHE PAYOFF TACTICS
Choose a plan and let the app handle the rest. We’ll automate the process of following one of the 2 most popular debt payoff strategies. Just set it and forget it!
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DETAILS:
Gauss products and services are available to Gauss members. Membership fees covering credit products start at only $4.99/month.
A low APR Gauss Credit Line for balance transfers requires prime FICO scores. 14-18% variable APR (which is the same as interest rate; changes with prime rate) is charged on your Gauss Line balance. There’s no balance on Gauss Line until your cards are actually paid. We never charge interest on interest. The service is available in certain states; check if your state is supported in the first steps of onboarding in the app.
Gauss is not affiliated with: Capital One, Chase, Wells Fargo, Affirm, Klarna, Credit Karma, Mint, Rocket Finance, Kickoff, Petal, Extra, Stellarfi, Truebill, Earnest, Earnin, Current, Chime, Varo, Albert, Brigit, Dave, Klover, Empower, Tally, MoneyLion, Bright Money, Monarch, Experian boost, Kovo, Sable, YNAB, Everydollar, Ava, Grid money.
The app and user support is only available in English.
What’s New
Version 1.4.46
Bug fixes and improvements.
Ratings and Reviews
Helpful and worth it
The design is great, UX is intuitive for me. I’m using the app to track cards, recommended payments, and see if I’m on track with bills and my targets. There’s a credit builder included, I’ve just opened it, was super straightforward. There’s a budgeting tool that tracks expenseby category and against the budgets I set, so it’s easy to see how much I can pay for cards and adjust plans . Can easily deep dive into transaction on any card or category. It’s like Mint plus credit builder plus this debt strategy plus card recommendations that apparently they are not paid for, all for the same buck. I’ll keep using it.
Developer Response ,
Thank you so much for taking the time to leave such a fantastic review! We're thrilled to hear that you find the app's design great and the UX intuitive. It's our goal to make managing finances as easy and user-friendly as possible. We're especially happy to know you're taking advantage of all our features, from credit building to budgeting and expense tracking. We love that you see the value of the combined features, comparing it to Mint with the added bonus of credit building, debt strategy, and unbiased card recommendations – all in one place! We're constantly working on improving the app, so your feedback is invaluable. If you ever have any suggestions or requests, please don't hesitate to let us know. Thanks again for choosing Gauss! We're glad you're on board and wish you the best of luck with your financial goals.
Tech Team is Awesome
The app is cool, but it didn’t work for me. So, I had issues with deleting my account, but I’m still giving it 5 Stars because the customer service via messenger and the tech team was outstanding. Anytime, I reached out to them I got an immediate response. Everyone got on top of my issue right away, or if it wasn’t fixed they’d let me know they’re still working on it .
Developer Response ,
Hi Marquis, we're very sorry you didn't find what you're looking for, but we're happy to hear that you had an incredible experience with our customer success team. We hope we can support you and your financial goals in the future! If you ever need anything else please shoot us an email at support@gauss.money and we'll help you get set up!
Horrible
I was told to download this app , and so far horrible experience I was trying to signed up and I get a error message “ account locked “ I am unable to create an account .
Developer Response ,
Hi Jenny, we're very sorry you had trouble creating an account. Please shoot us an email at support@gauss.money and we'll help you get set up!
App Privacy
The developer, Gauss Rewards LLC, 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
- User Content
- Identifiers
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Information
- Seller
- Gauss Rewards LLC
- Size
- 218.6 MB
- Category
- Finance
- Compatibility
-
- iPhone
- Requires iOS 12.0 or later.
- iPod touch
- Requires iOS 12.0 or later.
- Apple Vision
- Requires visionOS 1.0 or later.
- Languages
-
English
- Age Rating
- 4+
- Copyright
- © 2023 Gauss
- Price
- Free
Supports
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