Struggling with your FICO Score can be exhausting. It can feel like a brick wall standing in the way of so many things: home financing, car loans, credit cards, and more.
Because we need to worry about so many things right now, we should focus on easy solutions that take little effort. Check out these must-have mobile apps and programs that can take the stress off of having less than perfect credit:
1. This App Could Boost Your FICO® Score Instantly
Register for Experian Boost™ and watch your FICO® score take off. Experian Boost™ is a free app by one of the largest credit reporting agencies on the planet.
All you have to do is sign up and verify that you have been paying your bills on time (cell phone bill, streaming services, cable bill, or other utilities), and you could get an INSTANT credit score boost. Plus, it’s FREE! There’s no easier way to improve your credit. Results will vary, see Experian’s™ website for full details.
2. This Loan Company Isn’t Worried About Your FICO Score
Founded in 1999, AmOne has grown to become one of the nation’s largest financial assistance companies for people with fair to bad credit. AmOne advisors will help you understand your current financial situation and tailor a solution that best fits you, not line the pockets of “fat cat” lenders. AmOne advisors can also assist you in applying for a loan, up to $50,000, to get you back on track.
If you have been turned down for loans before, don’t worry. AmOne advisors have seen it all. They can assist you in getting the right solution that is tailored to your needs even if your FICO Score is in the 495-595 range. APR’s will vary based on your individual needs, but they can start at as low as 3.99% APR.
3. Apply For A No Interest - $2,500 Credit Limit
“Costly life events happen, but people shouldn’t have to pay up to four times retail prices for what they need!” That’s a direct quote from the CEO of Zebit. What is Zebit? Well, Zebit is an online store that offers no interest, no membership fees, and no FICO® score needed.
Zebit offers its customers access to a $2,500 line of credit to shop thousands of products on their site. “How does Zebit make money?” Like any retailer, Zebit sells products that it purchases at wholesale prices. The spread between the wholesale price and the listed price is how Zebit makes money.
Zebit offers members the flexibility to pay for anything they buy over time. Zebit offers every type of product you can imagine. Electronics, computers, furniture, appliances, and more. Zebit offers all the major brands like Apple, Gucci, Samsung, Fitbit, Nintendo - you’re not getting cheap stuff!
To qualify for a Zebit account, you will need to be over 18, employed, retired, or disabled with benefits.
4. Get Paid To Watch Holiday Specials With This App
InboxDollars is one of the world’s leading online rewards clubs, and works with top brand names like Walmart, Netflix, Target, and H&R Block. Earn up to $225 a month shopping, reading email offers, and even watching online TV right on your mobile device.
How it Works: Choose a video selection (topics include TV shows, movie previews, cooking videos, and more). InboxDollars lets you know how long each playlist runs from a few minutes to a half-hour. Select a playlist, watch, and earn cash. Signing up with InBoxDollars is fast and easy.
5. Upgrade Your Car For A Cheaper Loan Payment
If you bought a new car, truck, or SUV in the past 24 months, you probably paid too much. The stay at home orders caused a massive “glut” in the car market. Dealers need to liquidate their inventories asap. Some auto manufacturers are even offering 0% APR for 7 years to qualified buyers.
Fiona, from Even Financial, is one the most comprehensive loan search engine on the internet. You can get you into the new car, truck, or suv payment you can afford. They can get you approved for financing with a FICO Score below 550. Just click on the link below, and select “Auto” and you can see what options are available to you. Remember, using Fiona will not affect your credit score.
6. Use This App To Buy Amazon Stock For Just $1.00
Everyone shops on Amazon! So, owning stock in one of the largest corporations in the world could be a great long term investment, right? Stash is an app that allows you to start investing* in the stock market with just $1. By purchasing fractional shares in any public companies like Amazon, Netflix, Ford, Apple, Kroger, or Walmart, anyone can afford to build real wealth at a price they can afford.
You can build a diversified portfolio with very little money. A Stash Invest account allows you to invest with as little as $.05 cents. When you open a Stash Invest account and deposit at least $5, Stash will give you a bonus of $5 to invest.
7. Download This App & Search For The Best Holiday Loan
Finding the right personal loan and getting approved can take months. Who has months to wait for a loan? That’s why Even, the leading search, comparison, and recommendation engine for financial services created “Fiona”.
Fiona is the fastest, easiest, most comprehensive way to search loans and savings accounts from the top providers. By filling out a simple form, Fiona checks if you are pre-approved and gets the best offers from the top providers for you in seconds, so you can get instantly matched with the right personalized offer all in one place. You can borrow as much as $100,000, with loan terms of up to 7 years. The interest rate you’ll pay will depend on your creditworthiness. It will take you less than 60 seconds to apply. Not even Santa works that fast. Credit card debt can get out of hand fast, but you don’t have to continue paying those outrageous interest rates.
8. Trevor B. Downloaded This App & Saved Over $2,000.00
What if someone offered you $825.00, would you take it? We would! Gabi, an insurance shopping comparison engine, is an essential app that allows average users to save $825.00 a year.
Gabi can help you find and switch to a cheaper insurance rate within minutes - for free! Just download the app, and follow the instructions. Once you’re registered, you will need to allow Gabi to scan your current online insurance account Gabi is 100% safe and secure.
Gabi will do the rest. Gabi can compare your current rate with other insurance companies like Progressive, Travelers, Nationwide, Kemper, Safeco, and many more. Trevor B. downloaded the app and saved $2,634! Now that’s real savings!
9. This App Can Protect Your Family From Your Creditors
We all think about taking out a life insurance policy. We’ll do it one of these days. But where to start?
Now, you don’t need to file paperwork or answer uncomfortable questions. You can get a quote for a life insurance policy in minutes from Ladder Life. There are a bunch of policy options, and A+ rated insurers provide all policies. Plus, you don’t have to wait for a medical exam to get coverage. You can get instant coverage right now. You can rest easier tonight, knowing your loved ones are covered if anything were to happen.
Life Insurance can also allow your family to pay for all your unpaid debts. Creditors won’t be able to harass your loved ones. Don’t wait to get covered during these uncertain times. With Ladder, you can have a rock-solid plan in minutes for about the same price of watching Netflix for the month.
10. Work Smarter Not Harder
You may not feel very useful as you scroll your way into the depths of the internet, but your data is actually worth A TON of money to corporations.
So, why not take a piece back? With Swagbucks, you can. They give out over 7,000 gift cards a day to customers for Amazon, Walmart, Target, and more just for surfing the web and watching videos. Or, you can have cash sent straight to your PayPal account.
A Swagbucks user in Pennsylvania, 52-year-old Carolinda Hendrickson, earned $1,200 in a year. It’s easy to make an extra $5 in one day, by watching a few videos. That translates to some serious extra cash in your pocket each month.
*Investment advisory services offered by Stash Investments LLC, an SEC-registered investment adviser. This material has been distributed for informational and educational purposes only and is not intended as investment, legal, accounting, or tax advice. Investing involves risk. This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers. The offer is subject to Promotion Terms & Conditions.