Self-Improving Credit
Automatically improve your credit profile, lower the interest on your cards and loans, pay off debt faster, and continuously unlock more cash to spend.
Gauss finds better card and loan options for you and negotiates improved terms for existing debt. It can also automatically pay off balances using a low interest credit line.
Your cards and loans move to lower APRs.1 You save money on interest charges and pay off balances faster.2
Keep using your cards and loans while Gauss continiously looks for ways to reduce your borrowing costs.
Your cards and loans move to lower APRs.1 You save money on interest charges and pay off balances faster.2
Keep using your cards and loans while Gauss continiously looks for ways to reduce your borrowing costs.
Pay less. Pay off faster.
Use Gauss Credit Builder to strengthen your credit profile automatically. No credit checks. Initial tradeline reporting in days. Add 60 points in just a few months3.
Improve Credit Score
Better Credit
Lower Bills
Faster Payoff
Get Gauss AI to negotiate your debt, create a step-by-step plan to improve your credit score, track your credit reports, find and apply for better credit card and loan options, cancel subscriptions, budget for faster debt payoff, lower your utility bills, and more.
Personal Credit Manager
No Hidden Fees
$0
Late Fee Protection
Pay all your credit cards from a single app. Get spotted with extra cash to easily pay above required minimums, reduce balances faster, and stay protected from late fees and overdrafts.
How it works
Pull your credit reports and start improving your credit profile
Connect cards and accounts via Plaid
Let Gauss AI find ways to lower interest and improve credit terms across cards and loans
Keep using your accounts while the cost of credit keeps going down
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 at support@gauss.money. Support team will get back to you as soon as possible.
Anyone using credit could benefit from our automated credit management and improvement tools, and even more so if you have credit card balances and/or actively use multiple credit cards. Gauss is great at making your loans cheaper and you debt-free journey faster and stress-free.
Personalized credit management tools are available to all Gauss members. Gauss lending products may require soft credit and income checks. Gauss low APR balance transfer line of credit requires a prime credit score. Some features may 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 cheaper and more convenient.
Gauss is built by a team of veterans from global banks and world-class software engineers. We're on a mission to help people leverage credit to get better off financially.
Gauss is built by a team of veterans from global banks and world-class software engineers. We're on a mission to help people leverage credit 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.
No, Gauss is not a company that takes over your loans and contacts your creditors. Gauss transfers credit card balances to a low APR credit line to save on interest and pay off faster, finds and applies for loans you can actually get and benefit from, and helps negotiate with lenders. Gauss helps you build credit, manage loan 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.
1 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.
2 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.
3 Average user outcomes in 2024, based on Vantage 3.0 score. Individual results may vary. 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.
2 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.
3 Average user outcomes in 2024, based on Vantage 3.0 score. Individual results may vary. 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.