Better Credit.
Fast.
Automatically improve your credit profile, lower your monthly credit card and loan bills, pay off debt faster, and unlock more cash to spend.
Automatically pay off any credit card balances using a low interest credit line from Gauss. Use Gauss AI to negotiate better terms for existing loans or get new ones.
Your cards and loans get lower APR.* You save money on interest charges and pay off balances faster.**
Keep using your cards and loans and watch your savings go up!
Your cards and loans get lower APR.* You save money on interest charges and pay off balances faster.**
Keep using your cards and loans and watch your savings go up!
Pay less. Pay off faster.
Use Gauss Credit Builder to improve credit without even thinking about it. No credit checks. Monthly payments less than $5. Instant initial reporting2.
Improve Credit Score
Lower Loan Bills
Better Credit
Faster Payoff
Get Gauss AI to negotiate your debt, create step-by-step action plan to improve your score, track your credit reports, find and apply for the best loan options for you, cancel subscriptions, budget for faster debt payoff, lower your utility bills, and more.
Personal Credit Manager
No Hidden Fees
$0
Autopay and late fees protection
Pay all your credit cards from a single app. Easily pay above required minimums to pay off balances faster or spot your bills to prevent late fees and overdraft fees!
How it works
Pull your credit reports and start building credit
Connect cards and accounts via Plaid
Let Gauss AI handle all-things-credit for you and check in on its progress
Keep using your cards
New balances can be moved to the line automatically.
Earn rewards and better credit terms over time.
How is Gauss different?
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 cases2.
Gauss helps prevent late payments and reduces the amount of debt on your cards, reducing their utilization, which may have a 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.
We also provide a standalone credit builder product if you'd like to improve your credit score without even thinking about it.
Gauss helps prevent late payments and reduces the amount of debt on your cards, reducing their utilization, which may have a 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.
We also provide a standalone credit builder product if you'd like to improve your credit score without even thinking about it.
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.
Access to personal finance management tools is available to all Gauss members. Gauss lending products may require soft credit and income checks. Gauss low APR balance transfer line also requires a prime credit score.
Some features are only available to customers who have a history with us.
Some features are only available to customers who have a 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.
Gauss products and services are available only to Gauss members. Gauss charges a small membership fee, starting at $4.99/month, that can be canceled anytime.
APR (which is the same as the interest rate) is charged on balances transferred to Gauss credit line from your credit cards. Only high APR balances that cost you interest are transferred, so you always save money with Gauss.*
APR (which is the same as the interest rate) is charged on balances transferred to Gauss credit line from your credit 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.
Gauss is not a company that takes over your credit card accounts and contacts your creditors. Gauss helps you transfer credit card balances to a low APR credit line to save on interest and pay off faster. We can help you manage card payments, lower your APRs to save you money and accelerate debt payoffs - all from one app.
Go to the Profile tab of the Gauss app and tap on Delete Account. All your data will be deleted within 24 hours, except for the data points required to be retained longer by applicable laws.
* 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 your case.
1 Earn points every time you take a rewarded action. Find the full list of rewards in the app. You can use your rewards at any time.
2 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.
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Gauss (Placid Inc.)
200 Vesey Street, 24th Floor, New York, NY 10281
(877) 909-1559
NMLS ID: 2654599
Copyright 2025. 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 your case.
1 Earn points every time you take a rewarded action. Find the full list of rewards in the app. You can use your rewards at any time.
2 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.
Blog
Gauss (Placid Inc.)
200 Vesey Street, 24th Floor, New York, NY 10281
(877) 909-1559
NMLS ID: 2654599
Copyright 2025. All rights reserved.