14% APR on any credit card.* Rewards for paying card bills. No fees.
Get the most
out of credit cards
Just launched!
4.8
Pay off any credit card balance using your low interest credit line from Gauss, both on-demand and automatically. Your cards get lower APR, and you pay off balances much faster. Keep using your current cards and watch your savings go up. No fees!
Pay off cards easily
Earn Gauss coins every time you repay on time. Use coins to reduce APRs, increase credit limit, get access to high APY savings and other big prizes! †
Get payoff rewards
Auto transfer balances from your cards to Gauss low interest credit line. Lower average credit limit utilization and boost credit score! ††
Improve Credit Score
No Annual Fees.
No Late Fees.
Just No Fees.
Lower Card Bills.
Unlock Your Cash.
Autopay all your credit card bills from a single app. Easily pay above required minimums to pay off balances faster. Prevent late fees and overdraft fees!
Autopilot at 0% APR
2% APY on your cash. Boost to 5% APY for timely credit card payments. FICO 660+.
Earn up to 5% APY
Auto invest into diversified ETFs from you card bills without stretching your budget. The more you invest, the lower is your APR with Gauss. Build wealth and break out of debt for good.
Invest when paying off cards
Coming soon
Coming soon
How it works
Connect credit cards via Plaid
Run a soft credit check
Pay off cards from a low APR Gauss credit line
Keep using the cards and repay the line once a month
New balances can be moved to the line automatically.
Earn rewards and better credit terms over time.
Gauss meets the highest security and privacy standards of the banking industry and works with the most reliable data providers, like Plaid and Equifax. Your data safety is our top priority, and we use the strongest encryption and anonymize data whenever possible.
Gauss improves your credit score in most cases.† Gauss prevents late payments and reduces the amount of debt on your cards, reducing their utilization, which has a great positive effect on your credit score. You can improve the score further by paying on time to Gauss.
No fees are charged If you're late with your repayments to Gauss, but your credit score will be negatively affected.
No fees are charged If you're late with your repayments to Gauss, but your credit score will be negatively affected.
If your app is loading normally, please reach out through the built-in support chat. If the app is not loading, ping us over the email support@gauss.money. Support team will get back to you as soon as possible.
If you ever have unpaid credit card balances and/or actively use multiple credit cards, Gauss is for you! Gauss is great at making your credit cards much cheaper and stress-free.
Gauss runs a soft credit check to verify you're in good credit standing. FICO above 660 is required. We also require to connect a primary checking account to automatically verify your income in read-only mode.
Some features, like cash rewards and auto investing, are only available to customers who have at least 3 months of history with us.
Some features, like cash rewards and auto investing, are only available to customers who have at least 3 months of history with us.
No, Gauss is a technology company. We provide our customers with tools and capital to make credit cards cheaper and more convenient.
Gauss is built by a team of veterans from global banks like Citi and world-class software engineers. We're on a mission to help people use debt in a way to become better off financially.
Gauss is built by a team of veterans from global banks like Citi and world-class software engineers. We're on a mission to help people use debt in a way to become better off financially.
14% APR (which is the same as interest rate) is charged on balances transferred to Gauss credit line from your cards. No fees. Only high APR balances that cost you interest are transferred, so you always save money with Gauss.*
Gauss offers a low-interest credit line to pay off credit card debt at a lower interest rate. A balance transfer often can advertise a 0% APR, but this is only for the promotional period; therefore, if the time to pay off the balance exceeds 12 months, the APR will jump back to 24% or more, while with Gauss, you will have a low APR with no tricks, take as long as you need to pay off the balance with your new APR. Balance transfers also have a transfer fee which is usually a percentage of the balance being transferred which can really add up. With Gauss, there are zero fees to transfer a balance and instant approvals which means you can lock in a lower rate at no cost to you. To read more on the differences between Gauss and a balance transfer.
At this time, Gauss offers credit lines in the following states: Alaska; Arkansas; Colorado; Connecticut; Florida; Hawaii; Illinois; Iowa; Kansas; Kentucky; Maine; Michigan; New Jersey; New York; North Carolina; Ohio; Pennsylvania; South Carolina; Utah; Virginia; West Virginia; Wisconsin. Please check back for updates.
Gauss offers a lower-interest, revolving credit line that’s especially great for paying down your credit card debt. As you repay Gauss, you can reuse your open availability to continue to pay down your cards again. Your monthly bill with Gauss will also be considerably lower when compared to a personal loan since there are no repayment schedules. You can keep the low-interest rate while lowering your monthly payments with Gauss. To read more about the differences between Gauss and a personal loan.
Unlike a credit card, Gauss is optimized to save you money on interest and late fees. And unlike a personal loan, Gauss lets you use the credit line repeatedly without having to reapply.
Unlike a credit card, Gauss is optimized to save you money on interest and late fees. And unlike a personal loan, Gauss lets you use the credit line repeatedly without having to reapply.
No, Gauss is not a debt consolidation company that takes over your credit card accounts and contacts your creditors. The Gauss credit line can help you pay off your credit card debt in a lump sum and consolidate your monthly credit card bills for you. We can help you manage the payments, protect you against late fees, and lower your APRs to save you money.
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* Gauss credit line APR, which is the same as interest rate, for balance transfers is 12%-16%, depending on a number of factors, including credit profile. The rate is variable with prime rate. The majority of credit cards are eligible for the balance transfer if a credit line is approved.
If user's APR is 34%, total balance is $10,000 and fixed monthly payments are $384, user's interest expense until full payoff would be $8,401 vs. $1,990 with Gauss. If user's APR is 24%, total balance is $10,000 and fixed monthly payments are $300, user's interest expense until full payoff would be $6,644 vs. $2,737 with Gauss.
https://www.bankrate.com/calculators/managing-debt/minimum-payment-calculator.aspx
† We top up your rewards account with coins every time you pay your Gauss Bill on time. You can use your rewards freely at any time, including using them to reduce your balance with Gauss.
†† Credit score stability/improvement is not guaranteed. Credit scores are independently determined by credit bureaus, and on-time payment history is only one of many factors that such bureaus consider. Your credit score may be negatively impacted by other financial decisions you make, or by activities or services you engage in with other financial services organizations.
Placid Inc.
200 Vesey Street, 24th Floor, New York, NY 10281
(877) 909-1559
Copyright 2022. All rights reserved.
If user's APR is 34%, total balance is $10,000 and fixed monthly payments are $384, user's interest expense until full payoff would be $8,401 vs. $1,990 with Gauss. If user's APR is 24%, total balance is $10,000 and fixed monthly payments are $300, user's interest expense until full payoff would be $6,644 vs. $2,737 with Gauss.
https://www.bankrate.com/calculators/managing-debt/minimum-payment-calculator.aspx
† We top up your rewards account with coins every time you pay your Gauss Bill on time. You can use your rewards freely at any time, including using them to reduce your balance with Gauss.
†† Credit score stability/improvement is not guaranteed. Credit scores are independently determined by credit bureaus, and on-time payment history is only one of many factors that such bureaus consider. Your credit score may be negatively impacted by other financial decisions you make, or by activities or services you engage in with other financial services organizations.
Placid Inc.
200 Vesey Street, 24th Floor, New York, NY 10281
(877) 909-1559
Copyright 2022. All rights reserved.
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