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

MOVE BALANCES OFF EXPENSIVE CARDS

Instantly transfer up to $15k from high interest 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.

CREDIT BUILDING

Boost your credit with Gauss Credit Builder. You'll get a credit line reporting to major bureaus that helps you build positive credit history, even with no credit or low scores. No credit check, fast initial reporting.

PAYROLL ADVANCE

Send Gauss money directly to your credit cards and protect yourself from late fees. Repay Gauss with your next payroll. See the Details section for more information.

PERSONALIZED CREDIT AI ASSISTANT

Get unbiased recommendations for new loans and cards. Track credit reports and receive actionable advice to improve your credit score. Negotiate existing debt with your lenders. Ask AI to set smart budgets that help you pay off debt faster. Make the right financial decision every time.

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ALL YOUR CREDIT CARDS IN ONE APP

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.

TRACK YOUR CASH FLOW

Connect your accounts to see all income, expenses, and transactions in one place. Understand spending by category, monitor cash retention, and find unused subscriptions.

SEE YOUR DEBT FREE DATES & RECOMMENDED PAYMENTS

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.

AUTOMATED SNOWBALL AND AVALANCHE PAYOFF TACTICS

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.

GRAPH YOUR MONTHLY PROGRESS

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.

SMART BUDGETING

Easily set and track monthly budgets to pay off debt faster and save more. Use personalized budget recommendations based on your data. 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.

DATA SAFETY

We never sell or share your data. We use 256-bit encryption and bank-level protection via Plaid for read-only connections. You can disconnect anytime.

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DETAILS

Gauss products and services are available to Gauss members. Membership fees covering credit products start at only $4.99/month.

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. Eligibility criteria and terms apply.

A 0% APR payroll advance Gauss Spot is available in certain states. Eligibility criteria and terms apply.

The app and user support is only available in English.

Gauss is not affiliated with Capital One, Chase, Wells Fargo, Affirm, Klarna, Credit Karma, Mint, Rocket Finance, Kickoff, Petal, Extra, Stellarfi, Truebill, Earnest, Earnin, Current, Chime, Varo, Albert, Brigit, Dave, Klover, Empower, Tally, MoneyLion, Bright Money, Monarch, Experian boost, Kovo, Sable, YNAB, Everydollar, Ava, Grid money.