As we know now more than ever - not having great credit isn’t the worse thing in the world.
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 make life a lot easier when your credit isn’t so great:
1. This Credit Company Is Offering $4,000 To Families That Really Need It
Seedfi is doing it’s best to help families affected by the pandemic by offering people a path to better credit and savings. The Credit Builder Plan allows you to open a savings account that builds your credit score.
When you start your plan you are actually “loaning” yourself money each month. You set the amount and you pick the timeframe (six months or up to two years). There are NO upfront credit checks and all your payments are reported to all 3 credit bureaus. When you’re finished you’ll have a saving account and possibly a 45** point credit score increase.
Plus if you’re in a tight spot and need some extra money, SeedFi has an answer for that as well. Their Borrow & Grow Plan allows you to access up to $4,000 while also building your credit.
Your SeedFi account is FDIC insured like at any bank. If your goal is to get your credit on the right track, you must try SeedFi!
2. This Loan Service 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 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.
3. This App Can 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.
4. This Lending Service Could Loan You $10,000 This Month
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.
5. This App Will Give You $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.
6. Cancel Your Car Insurance & Put $500 In Your Wallet
What if someone offered you $500, would you take it? We would! Savvy, an insurance shopping comparison engine, is an essential app that allows average users to save about $500 a year.
Savvy 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 Savvy to scan your current online insurance account Savvy is 100% safe and secure.
Savvy will do the rest. Savvy can compare your current rate with other insurance companies like Geico, Progressive, Travelers, Nationwide, Kemper, Safeco, and almost one hundred more. It takes about 30 seconds to get a new quote.
7. Stop Paying Fees To Your Bank
Aspiration is an online-only bank offering most of the services your big bank does, without any of the fees.
What Aspiration Offers?
What doesn’t it offer? First off, the Aspiration Summit Checking Account has NO monthly fees. There are zero minimum balance fees, overdraft fees, and ATM fees when you use your Aspiration Bank Debit MasterCard. Your debit card also gets you 0.5% cashback on all purchases - making it a cash-back-card!
The Aspiration Bank Summit Account is an interest-bearing checking account that you can open with as little as $10. According to the bank’s website, the account earns an APY of 1%, which is up to 100 times better than the interest rate offered at big banks. Open your account to boost your score and save on fees!
8. This App Will Pay You To Pre-View Great Shows & Events
Everybody loves The Rock! But did you know some people actually get paid to pre-view his movies?
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.
9. This App Offers An Easy Way To Protect Your Family For Just $5/Month
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 as little as $5 a month.
10. Download This App & Watch TV For Free This Month
Why are you still spending hundreds of dollars a month on cable TV? Paramount Plus is the new streaming service from Paramount. Paramount Plus has a ton of content – 30,000 episodes of TV and 2,500 movies, plus 36 original series arriving this year. Upcoming shows include two Yellowstone spinoffs, a new Star Trek series and another based on Halo, and new movies like Mission: Impossible 7 arriving 45 days after theaters.
On Paramount Plus, you’ll find live news and sports as well as on-demand shows and movies, including originals, leaning on parent company Viacom/CBS’ brands like CBS, MTV, BET, Comedy Central, Nickelodeon, and Paramount Network, plus its Paramount Pictures movie studio.
Kids may get an amazing deal too. The Spongebob Movie: Sponge on the Run is another Paramount Plus original available at launch. Nickelodeon’s library of nearly 7,000 episodes of kids and family shows includes Spongebob’s CG-animated spinoff Kamp Koral, Avatar: The Last Airbender, Paw Patrol, and iCarly. Millennials will also find seasons of the ’90s shows like All That, Kenan & Kel, and Are You Afraid of the Dark? It’s not Disney Plus, but it’s a pretty impressive collection if you’re into anything Nickelodeon past or present. After the free 30 day trial, Paramount Plus only costs $6 a 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.
** SeeFi customers with fewer than 3 tradelines have seen an average increase of 45 points after 6 months of on-time payments.