Gauss: Payoff Credit Card Debt

78 reviews
Content rating
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About this app

Reach your financial goals with new ways to boost credit, personalized financial insights, visualize your payoff progress, and lower APR cash to pay off credit cards.

Experience the smartest way to manage and pay off credit cards. We’ve helped users pay off millions in credit card debt.

Improve your credit history and credit score without even thinking about it. No credit checks. Monthly payments less than $5. Instant initial reporting. Earn rewards and enable a Low APR Gauss Credit Line application for just using the service.

Instantly transfer up to $15k from expensive credit cards to a low APR credit line. Pay off balances much faster and save hundreds of dollars on interest charges. Instant approval, soft credit check. See Details section for more information.

Different due dates, minimum payments, separate logins, APRs, and balances can be hard to keep up with. Easily manage all of your credit card bills from a single app.

See the exact month your debts will be fully paid based on your monthly contributions. Increase your contributions to move your debt-free dates up with our recommended payments.

Visualize your progress and watch your net worth grow as you pay off debt. Stay motivated as you see your total debt decrease while your financial health strengthens.

Track all of your income and expenses with ease. We bring all of your transactions together to show a clear snapshot of your finances and where you can improve. See how you spend and earn across categories and accounts, instantly understand how much cash you retain, review larger transactions, uncover services that you no longer use and more.

Easily set and track monthly budgets to pay off debt faster and save more. Use personalized budget recommendations based on your data to get started in less than a minute. See a clear snapshot of your monthly spend broken out by category and get alerts when you’ve gone over budget. Track your progress with everything graphed out in your dashboard for easy monitoring.

Your data security and privacy is our top priority. Bank-level security is applied to all your data, and all of your data is 256-bit encrypted. You link your banks via Plaid - the industry leader in secured and private bank connectivity. All data is read-only. You can disconnect your accounts at any time. We don’t sell or share your data with any third parties unless required by law.



Chat with an AI-powered personal finance assistant to make the perfect decision with your money, every time.

Choose a plan and let the app handle the rest. We’ll automate the process of following one of the 2 most popular debt payoff strategies. Just set it and forget it!

A low APR Gauss Credit Line for balance transfers requires prime FICO scores. 14-18% variable APR (which is the same as interest rate; changes with prime rate) is charged on your Gauss Line balance. There’s no balance on Gauss Line until your cards are actually paid. We never charge interest on interest. The service is available in certain states; check if your state is supported in the first steps of onboarding in the app.

The app and user support is only available in English. Gauss is not affiliated with Truebill, Extra Card, Credit Karma, Earnest, Earnin, Petal1, Chime, Monarch Money, Digit, , Brigit, Grid Money,, Dave,, Klover, Empower, Tally, Money Lion, Bright Money.
Updated on
Jun 4, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Personal info, Financial info and 2 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

75 reviews
Andrew Leger
March 6, 2024
I would like to sign up and give the app a try. However, while creating an account, it's asking what my password is instead of setting a password. I'm stuck in a weird loop and it's not letting me sign up.
Did you find this helpful?
Placid Inc.
March 18, 2024
Hi Andrew, we're sorry that you're having issues signing up, this will only occur if your phone number has been previously used. Can you write to us at We will investigate immediately & solve the issue.
Michelle Castile
May 21, 2023
An app that certainly "saves the day and helps those who cannot pay." Thanks to Gauss for saving my day when I could not pay. Small increments to pay monthly after Gauss sends funds to pay off your cards, you choose the amount and for which card to send it to. Not all those who apply will be approved, but know if you do, you have found one worth every penny pinched and saved, this is very true!
3 people found this review helpful
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Placid Inc.
May 22, 2023
We are pleased that you enjoyed the app. If there is anything we can do for you, just let us know at! Have a wonderful day!
Jacob Martin
May 13, 2023
There isn't any comparable service to Gauss available today. This company and it's ingenious payment platform is second to none. The user interface is a breeze to use. The transactions are processed in expedited fashion, usually the same or following day. Now the customer service is unusual. The team of typically 3 customer service reps are so helpful and on top of their game, I feel bad when my reply is delayed. They are top tier and can answer and resolve ANY questions or issues you may have.
2 people found this review helpful
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Placid Inc.
May 15, 2023
Jacob, thank you so much for your review, and we're super happy to hear that you've had a great experience with the product and customer success team!!

What's new

Stability improvements and bug fixes