16% APR* on any credit card. Rewards for paying card bills. No fees.
Get the most
out of credit cards
Pay off cards easily
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 save money on interest charges and pay off balances faster. Keep using your cards and watch your savings go up. No fees!
No Monthly Fees.
No Late Fees.
No Transfer Fees.
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!
Autopay at no cost
Lower Card Bills.
Unlock Your Cash.
Pay Off Faster.
Chat with an Ai-powered personal finance assistant to make the perfect decision with your money, every time. Unlock professional and personalized advice for a fraction of the cost of an advisor.
Personalized financial advice in your pocket
Earn Gauss reward points every time you repay on time. Use points to reduce APRs, increase credit limit, get access to premium products and 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
Easily learn what it takes to pay off your current balances and see how Gauss can help you pay off faster if you move balances off expensive cards to a low APR Gauss Line. Start with a simple web calculator, then connect your cards to build a personlized plan.
Build a pay off plan
2% returns on your cash. Boost the earnings with timely credit card payments.
Earn up to 10% returns
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 the 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 had 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. Prime FICO score is required to qualify for the Gauss Credit Line. 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 to get 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 to get better off financially.
APR (which is the same as interest rate) is charged on balances transferred to Gauss credit line from your cards. Only high APR balances that cost you interest are transferred, so you always save money with Gauss.*
We're constantly working on expanding Gauss availability. Please download the app to quickly check if Gauss products you're interested in are currently available in your state of residence.
No, Gauss is not a 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 and accelerate debt payoffs.
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* Gauss credit line APR, which is the same as interest rate, is 14%-18%, 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.
For example, 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. Use Gauss payoff calculator to estimate debt-free dates for a different case.
† 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.
For example, 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. Use Gauss payoff calculator to estimate debt-free dates for a different case.
† 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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