12% 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
No Annual Fees.
No Origination Fees.
Just No 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
No Late Fees.
Lower Card Bills.
Unlock Your Cash.
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
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
Earn rewards and better credit terms over time.
New balances can be moved to the line automatically.
Use cards normally and repay the line once a month.
Pay off card balances right away from a low APR credit limit.
Run a soft credit check.
Connect credit cards via Plaid.
$1,000,000+
Gauss users are saving on credit cards
Connected my credit cards to a credit line from Gauss. they payoff more expensive balances, I don't ev en have to think about it and it's amazing, I just use the cards and no worries about balances, I know I'm always covered with the best deal. Oh also - no overdrafts! they actually texted me there's not enough money in my checking and all good.
Wow!!! I came across this app & I'm very impressed. Good for multiple credit cards. extra $$ on top of monthly minimum exactly what I do and struggle with in my banking bill pay…. really helps with bill pay. more importatnly - paid off over $4k on cards with 18% APR and move to Gauss for 14%! Looking forward to other features.
I normally don’t write reviews let alone regarding an app from the Apple store. That being said, I was very cautious when I originally came across Placid - mainly being that they appear to be a newer company. When I first applied I thought it was cool they conduct a soft pull on your credit not altering your score! I did have to wait about a day for an update on the approval process. When reaching out to CX they were a tad slow but very helpful for sure, love that you can message them instantly in the app. Wish there was a phone service you could call in on (possible future suggestion). When approved they do hold up to the low APR advertised (which is wicked nice given a lot of credit card company’s advertise an intro rate but never really applies to most after they do a hard pull). I started off small with a Citi Bank transfer which took my 24.24% APR to 14%. This app is real and super helpful. Thinking about possibly doing further business and transferring other cards in the future. Keep up the great app, Placid, excited to see how you guys grow in the future.
SO the deal is they gave me $350 to cover bills. and I can pay later with one payment. convenient. BUT the real deal is that I only pay like $200 per month. so free credit for another $150 ANF bill pay. didn't ask for fico! probably cheked it though cause soft pull. I mean if it all works it's seriously too good to be true, but hey already made the first card payment for me as advetized, so fingers crossed.
I’ve been using this app for a few months and I have to say the customer service has been fantastic so far! I’ve been using the 0% apr feature which is great makes life a lot easier especially when you are trying to play catch up on your bills. After three months they said I’ll be reviewed based on making my payments on time to see if I’m eligible for the balance transfer which I can’t wait for so I can finally knock out some of my high interest cards! This is the first service to actually treat me like a person and not just a number and give me a chance to start lowering my credit card debt unlike all the others!
I never leave reviews but this app is a great app the concept is a very good idea n the customer service team is always there to help they are quick to find solutions n always are ready to help with a problem. I have had no problems in using the app everything is very smooth and convenient. Great app keep up the good work.
No Transfer Fees.
No Prepayment Fees.
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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