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.
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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.

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.

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.

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

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.

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.