By Christina Rodgers via A Quarter Richer
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.
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. Use This App To Boost Your FICO® Score Instantly
Hitch your credit score to this rocket and watch it take off with Experian Boost™. 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.
2. 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.
3. Use This App To Buy Bank Of America Stock For Just $1
American’s are eating at home more than ever. Grocery stores are not only a staple and essential business. Owning stock in a few grocery companies could go a long way! 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, Bank Of America, Ford, Apple, Kroger, Walmart, or Publix, 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.
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.
5. This App Could Give You $825
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.
6. Use This App To Protect Your Family From Creditors
If you own your home, chances are you have a mortgage. You may also have credit card debt. What would happen if you or your spouse died? Who would pay all the bills? A trick many people do is get an inexpensive life insurance policy to cover the mortgage and credit card debt in case they die.
A term life policy from Ladder Life Insurance is easy and affordable. If your relatively healthy and between the ages of 21-60 you can qualify. There are usually NO medical exams. Starting at just $25/Month a Ladder Life Policy could cost less than a pizza dinner!
Unless you plan on hitting the lottery, you should think about getting an affordable life insurance policy. Please don’t leave your family with a pile of bills that don’t have Ben Franklin’s picture on it.
7. Stop Paying Bank Fees When You Sign Up For This App
Checking accounts have an average yearly cost of $97.80 in fees, according to the federal government. That’s were Aspiration Bank comes in. Aspiration is an online-only bank offering most of the services your big bank does, without all 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.
8. Search For The Right Loan You Can Afford
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 may 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. Monevo lender rates start at 3.99% APR but may vary based on your credit history and income.
Their process is very simple. Fill out a short form on their website and you will receive an instant response, without affecting your credit score. If you have been turned down before, Monevo is ready to help you.
9. You Could Earn An Extra $100 Next Month
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 corporate goons.
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.
10. Always Make Sure You Get Paid On Friday
Now is not the time to run the risk of not getting paid. What would happen to you or your family if you missed 1,2, or even three months of work? Breeze is an online disability insurance company that makes getting disability insurance easy and affordable. Disability insurance is income insurance. If you can’t work, you still need to get paid.
A Breeze disability insurance policy isn’t just for slips and falls. It can cover a cancer diagnosis, grueling treatments that follow, prolonged complications from the flu or a virus, pregnancy difficulties, recovery from a heart attack or stroke, mental wellness issues, and more. Breeze is backed by Assurity, one of the highest-rated disability insurance companies in the U.S.
There are no medical exams required. A free no-obligation quote takes about 90 seconds. you must earn at least $14,000/yr and work at least 30 hours a week. Long term disability plans start at just $9 per 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.