This is really works good for me This is really works good for me, APR is lower than my credit card by 9% No need to pay my bank more when I can safe here. App is convenient, with a calculator showing me a when my cards will be paid off

You can add an extra to automated… You can add an extra to automated minimum payments, that's pretty cool, you don't have to get stuck with minimum and no need to check the payment everytime. Tрey also show you the future payment in the app as soon as a statement is ready, no surprises

Had higher expectations, time will tell… The good: The process was easy & quick (funds took less than a week to post to my CC). No credit check and your Gauss balance doesn't show on your credit history. The bad: After much research & based on my FICO & income, I thought I would be approved for a higher amount than $5k. My goal was to pay off at least 2 cards and a portion of a third. This way I would only have 2 monthly payments. The $5k only covered a portion of one card, so now I have 4 monthly payments. Not sure who qualifies for the full $25k or how long it takes to get it increased; so we'll see what happens & whether it was worth it. The ugly: none to report.

Unbelievable service and speed Unbelievable service and speed. They do exactly what they say and I save money because of their service.

Extremely Poor Credit, Extremely Good Service My credit situation is extremely poor, which might account for this first part; I was approved at 1% of my original requested amount. Since using this service I’ve paid three separate credit cards with it, without any problems. Payments to the credit cards takes roughly 3-4 business days, and paying off the Gauss Line of Credit takes about the same time. I’ve turned over this very small line three times now in my first three weeks, with hopes of an increased line of credit available soon, in which case this service would become an absolute powerhouse for my financial goals. It would save me roughly $300/month in interest fees alone.