Credit Help

Download These Apps If You Have Less Than Perfect Credit

Christina Rodgers
Download These Apps If You Have Less Than Perfect Credit
Quick FYI: The companies and recommendations in this post contain sponsored links. Which means A Quarter Richer receives compensation or a commission. You can learn more about our Advertising Policies by visiting here. We are telling you this because honesty is the best policy.

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 mobile apps and programs that can take the stress off of having less than perfect credit:

1. 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 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.

Apply Now

2. Get This App To Boost Your FICO® Score Instantly

Register for Experian Boost™ and watch your FICO® score take off. If your credit is on the cutoff of “Bad” to “Fair” or “Fair” to “Good,” this FREE tool could brighten your day in a few seconds.

All you have to do is sign up and verify that you have been paying your bills on time (cell phone bill, cable bill, other utilities.), and you could get an INSTANT credit score boost. Plus, it’s FREE! Nora V. got an increase of 47 points instantly! There’s no easier way to improve your credit. Results will vary, see Experian’s™ website for full details.

Boost Your Score

3. Claim $5 In Amazon Stock

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.

Get Your Cash

4. 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.

Get AmOne

5. This App Will Switch Your Car Insurance

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.

Get Gabi

6. Let This Company Payoff Your Credit Card Debt

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.

Apply Now

7. This Credit Union’s App Can Get You A Great Auto Loan Even With Bad Credit

Credit unions were founded on the philosophy of people helping people. Consumers Credit Union (CCU) has been serving customers for nearly a century. Unlike other credit unions, it’s unique that anyone can join, regardless of where you live or work. CCU has over 1,800 Service Center branches nationwide.

CCU offers some of the most competitive auto loan rates in the nation even for people with bad credit. Credit unions, like CCU, are more forgiving with their lending requirements than banks and other lenders. CCU even allows some borrowers to finance the full purchase amount, with no downpayment. Plus, you will get 24hr mechanical/emergency repair coverage.

Expert Tip: If you open a “Membership Share/Savings Account” with just a $5.00 deposit, CCU can provide you with up to 0.5% rate reduction.

Being a member starts your relationship and can provide you access to mortgages, credit cards, or student loans at lower APRs. Checking your rate now will NOT affect your credit score! Rates start as low as 2.6% APR.

Join Now

8. 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.

Get Protected Now

9. Download This App & Get Paid to Watch Holiday Specials

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.

Get It Now

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 a one day, by watching a few videos. That translates to some serious extra cash in your pocket each month.

Open Your Account

*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.