Credit Help

The Best Programs & Mobile Apps For People With Less Than Perfect Credit

Christina Rodgers
The Best Programs & Mobile Apps For People With 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 must-have mobile apps and programs that can take the stress off of having less than perfect credit:

1. This Loan Service Isn’t Worried About Your FICO® Score

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 that you can get instantly matched with the right personalized recommendation all in one place. You can borrow as little as $1,000 and 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. Credit card debt can get out of hand fast, but you don’t have to continue paying those outrageous interest rates.

Apply Now

2. This App Should Instantly Boost Your FICO® Score

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 like Netflix, 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. Nora got a 47 point boost. Results will vary, see Experian’s™ website for full details.

Get Your Boost

3. Apply For A $2,500 No Interest 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. Zebit offers members the flexibility to pay for anything they buy over time. This includes gift cards! Zebit members can finance gift card* purchases to stores like Macy’s, Target, Lowes, Banana Republic, Old Navy, Gap, and more. Plus, you can also finance gift card purchases to some of your favorite restaurants. Members can use these gift cards to shop at their favorite stores. It’s just like creating your own credit account at Target!

Zebit offers every type of product you can imagine on their site. Electronics, computers, furniture, jewelry, clothing, baby items, and appliances. Shop directly from Zebit’s website for major brands like Apple, MCM, Samsung, Fitbit, Kitchenaide, Sony Playstation - 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

4. Use This App To Claim $5 In Free Amazon Stock - With No Credit Checks

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.

Claim $5.00 Now

5. Fill Out A Few Surveys & This App Will Send You Free Gift Cards

If you’re stuck at home, you might as well make the most of it.

A free rewards website called Swagbucks will pay you to watch videos, and complete simple surveys.

One minute you might watch someone bake a cake, and the next, you may even watch the latest half-time performance of The Super Bowl. All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward.

A Swagbucks user in Pennsylvania, 52-year-old Carolinda Hendrickson, earned $1,200 in a year. When you earn points with Swagbucks, they can be redeemed as gift cards at stores like Target, Walmart, Amazon, and more! Or you can have the cash sent to your Paypal account

It takes seconds to sign up, and you can even earn a $5 bonus.

Claim Your Bonus

6. Cancel Your Car Insurance & Put $961 In Your Wallet

What if someone offered you $961, would you take it? We would! Gabi, an insurance shopping comparison engine, is an essential app that allows average users to save $961 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 A Free Quote

7. One Of Their Lenders Could Loan You $3,000 In 24hrs, If You Qualify

Founded in 2009, Monevo has grown to become the nation’s largest loan and financial matching company in the US. Although they help people in all types of situations, if you are a person with poor to fair credit, you will benefit the most by working with them.

Monevo specializes in assisting people to find the right financial solution based on their individual needs. With their large lending and financial network exceeding 30 providers, you can be certain there is no place better to go to ensure you get connected with the best option and receive a top-rated customer experience.

Their process is very simple. Fill out a short form on their website and you will receive an instant response. If you have been turned down before, Monevo is ready to help you.

Get Monevo Now

8. This Company Would Like To Pay Off Your Credit Card Debt

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 debt consolidation loan, up to $50,000, to get you back on track.

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.

Learn More

9. Upgrade Your Car For A Cheaper Loan Payment Even With A Low FICO® Score

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.

Check Your Rate

10. This App Will Pay You To Pre-View Great Shows & Events

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.

Download Now

*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.