Gauss: Payoff Credit Card Debt +4

I got 16% APR and I’m really happy. Also got a pretty large limit, moved most of my 25% APR balance to them. Will save me a ton on interest, also same payment I normally do will cover much more balance now. Rates are high everywhere now, but these guys deliver. I don’t know how they do it, but I hope they stick around. Onboarding wasn’t hard, my payroll account qualified and I got the offer in real time. Needed to add card details to send money out to cards, that took me a bit longer, but no issues. There’s also spending and budgeting tabs with all transactions from the cards I linked - neat! Doesn’t cover all the cards I have but there’s a chart with how it changes over time so I know if there’s still room to optimize.

Thanks Noukash for the fantastic review! We're thrilled you found our app easy to use and that the 16% APR helped you consolidate your debt and save on interest. We're always working on expanding compatibility, and your feedback about linked cards is valuable. We will most certainly keep going and continue to bring features that support you achieve your financial goals. Thanks again for choosing Gauss to help fast track your payoff journey!

Just canceled the membership and deleted the account/app. Took weeks to be told I didn’t qualify even though I get over $3200 a month. I do not care about the hit to my credit to close out the account. Charging a fee and not getting access to the big selling point of your app is wack and disingenuous. GO TO YOUR LOCAL CREDIT UNION! Rates are likely lower. Boo boo there’s my whine rant.
-edit-
What a vain response. You’re still very disingenuous with your reply. Your process and procedures are only beneficial for some. Your customer service has great response times but have NO HELP. Just kept me waiting and hoping for almost a month.

No way you’re trying to say you’re are better than a 7%-12% rate from a credit union? You’re popular because of the other things you offer, but that doesn’t erase the overall extra cost. Really insensitive reply. Glad I changed my mind. I got approved for $10k through Merrimack valley FOR 60 months at 10ish %. Better than what you were offering because I bank with them and they lowered rate cuz of that. Hmm? Do you offer that? No… huh hmm.

We're truly sorry to hear about your experience with the app and that you weren't eligible for the line. You don’t need to have an active membership to apply for the line though - the application is available in the first steps of the app onboarding if you qualify. We only charge membership for specific products and service provided, such as spending controls or credit building tools.

We understand your frustration with income verification when applying for a large credit line. Credit decisions are typically instant, after you confirmed your income via Plaid. If Plaid doesn’t recognize your income automatically in real time and you ask for a manual income review, the review may take up to 48 hours. We're constantly working to improve our qualification process and make it more transparent. The minimum income requirements, specific to each user, are shown immediately when we ask to verify income.

Please be aware that there is zero impact to your credit score from the line application - we only do soft checks. If you’ve used the Credit Builder product, closing early misses out on the credit score building, but is not expected to hit your score.

Credit unions are a great choice if possible, but they rarely offer revolving products to make repayments easier and flexible, and we want to help fill this gap.

I didn’t get the low APR line yet, but there’s a credit builder and payment planner available. The builder is cool - I saw the line on my file in just 2 days, this is a real thing, and I don’t have to do anyting - there’s no deposits etc. And then there’s this card tracking - I got a plan telling how much to pay to what card within my budget to pay off by date X. That’s really cool because you don’t need to go card by card. They don’t charge anything for it, all included with the builder. I also started a budget with them, hopefully they will highlight if there’s anything I can save on and then add to this payoff plan budget and see a closer taget date. WOuld encourage to stay on track.

Hi Dania, thank you for the fantastic review! We're delighted the credit builder's fast results and our payment planner are streamlining your financial journey. Free access to these additional tools reflects our commitment to financial wellness for all. The budgeting tool can further optimize your plan by identifying potential savings as well. Keep up the great work, and as your credit score improves you'll have access to the line!