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. Download This App for A $500.00 Cash Advance
If you’re feeling the pinch this holiday season, Possible Finance could be an easy solution. Possible Finance offers same-day loans up to $500. Possible Finance is an excellent alternative to payday loans for people who need cash fast!
Most payday loans have to be repaid within ten days. But because Possible Finance gives you an eight-week payment plan, you’ll have as much as four times the flexibility in repaying your loan compared with traditional payday lenders. Possible Finance also does not perform a hard credit inquiry during the application process, so you don’t have to worry about this loan hurting your credit score. If you earn more than $750 a month and have some cash in your bank account, you should get the loan you need!
2. Get The Credit You Deserve, With No Credit Checks & 0% APR
Getting the credit you deserve shouldn’t be that hard. That’s why they created the Extra Debit MasterCard. It’s a debit card that works like a credit card. Your Extra MasterCard links directly to your checking account. When you use your Extra Card to make purchases this, Extra will spot you the money based on how much is in your bank account. Extra simply pays themselves back later for the purchases you made.
Plus, at the end of each month Extra will calculate all your purchases and report them to the credit bureaus. This is HUGE. The credit agencies view these purchases as if you are paying back a line of credit. That means, all these purchases BOOST your FICO score each month. Some Extra card members have reported a 200 point jump in their credit scores in as little as 6 months.
To qualify for a Extra MasterCard account, you will need to be over 18 and have a valid checking account. Remember, applying for a Extra MasterCard account won’t affect your credit score.
3. 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.
4. 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!
5. 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.
6. 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.
7. 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.
8. Boost Your Credit Score & Get $30 In Cash Rewards Every Time You Pay Your Rent
Piñata is the first rewards and credit building program for renters. You get rewards when you fly, when you pump your gas, but why not with your single biggest monthly expense?
Piñata changes that. When you use the Piñata app you get amazing rewards just for confirming your on-time rent payments.
You can also build your credit! Here’s how Piñata works, you download the app and go through their account creation. It takes about 90 seconds. Get a $30 gift card and your first Piñata Cash to spend on rewards of your choice. It’s that easy.
Every rent day, you’ll earn Piñata Cash just for paying your rent like you already do.
You can redeem your Piñata Cash for rewards of your choice like fitness experiences to gift cards at brands you love. Opt-in to report your rent payments to credit bureaus and finally get “credit” for on-time rent payments. Plus, it’s 100% Free!
9. 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.
10. 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.
*Paid non-client endorsement. See Apple App Store and Google Play reviews. View important disclosures. 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.