Gauss: Payoff Credit Card Debt

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 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 ale