# Changed: Automate Debt Payoff — user reviews > 289 indexed App Store user reviews of Changed by Changed Inc., rated 4.60/5 from 5,508 ratings. - Source: https://appshunter.io/ios/app/changed-automate-debt-payoff/id1164559383/reviews - App overview in markdown: https://appshunter.io/ios/app/changed-automate-debt-payoff/id1164559383.md - Rating breakdown: 5★ 4,546 · 4★ 385 · 3★ 138 · 2★ 76 · 1★ 363 ## What do users think of Changed? Overall sentiment: mixed **Pros** - 🚀 Helpful in paying off loans - 💡 Automatic debt payments - 👍 Easy to use - 🤑 Saves money without noticing - 🎉 Motivating to see progress **Cons** - 🐛 Connectivity issues with accounts - 🕰️ Slow payment processing - 💸 Subscription fees - 🤖 Poor customer support - 🔒 Difficulty accessing/withdrawing funds **Commonly reported bugs** - App freezing or crashing - Incorrect loan balance tracking - Payments not showing up on loan accounts - Withdrawal/refund issues - Syncing problems with bank/loan accounts **Most requested features** - More customization options - Faster payment processing - Ability to manage multiple loans - Mobile app improvements - Better communication with users ## Newest reviews (10 of 289) ### 2/5 — Not worth it *2026-08-11, version 5.52* It costs a minimum of $9 a month. As a single mom that only uses my card for gas and groceries that's more that I would even save in the month thus it would just put me in more debt. It's a no for me that's too much ### 2/5 — Security *2026-08-08, version 5.52* I’ve yet to try it. Anyone else turned off with the idea of scanning your ID to the app? ### 2/5 — Need it for credit card debt? Basic won’t work *2026-07-31, version 5.51* There doesn’t seem to be a monthly payment option and when you decide against using the app, there’s no way to delete your profile. Basic doesn’t including linking credit cards - you need the plus level for that. Keep looking for a different app. This isn’t the one you’re looking for. ### 4/5 — Debt Totals Not Updating *2026-07-17, version 5.50* Love this app. It works well but it’s not updating efficiently in terms of credit card totals ### 3/5 — Can’t withdraw or transfer *2026-07-09, version 5.50* I really like the app idea and really want to give it a 5 star, but for the life of me I can’t figure out how to transfer my funds or withdraw anything to make a payment towards a debt I have. App isn’t very user friendly so far. :/ ### 1/5 — Scam *2026-07-06, version 5.50* App stops working after the first payment, and there’s no phone number to call customer service. I thought this was a great thing but I got cheated out of 80 bucks all for my credit card just to have debt relief payment of 25 dollars . ### 1/5 — Misleading App Store Listing *2026-07-05* I always check whether an app offers in-app purchases before downloading, since that usually means they require a subscription to use. This one did not have in-app purchases, so I thought I would give it a try to help pay down credit card debt. Well, turns out they DO require you to start a subscription during setup, and it wasn’t revealed until after giving them my SSN to pull up debts that they don’t allow credit card payoff as part of the basic plan, so I’d have to pay $84/year to get that feature, which feels counterintuitive and shady not to state up front. I doubt I’ll use this app based on them starting with a bait and switch like that, I don’t feel great about giving them bank info. Be upfront and put your prices on the download page so people can make an informed decision! **Developer response:** Thanks for sharing this. Changed uses a tiered subscription model: the $84/year plan unlocks credit card payoff management. That fee typically saves users far more than it costs once debt payoff is underway. We hear you on wanting pricing visible earlier in the journey, and we're always looking at ways to make that clearer. Your information is protected with bank-level encryption throughout setup. If you have any questions about your account or want to explore what's included, email support@changedapps.com, we're happy to walk you through it. - The Changed Team ### 1/5 — Glitchy app slow support *2026-06-28, version 5.47* The app works great getting your money and saving it. I have been going back and forth with support for several weeks trying to use my money to pay something. The app always has some issue setting up payment, never linking a card. Support is so slow and of course when they do answer it is always the user. Somehow I managed to set everything up in this poorly designed app, but I am not able to select the card I want to pay now? Either the date field will not accept input or I need to verify my account for the 3rd time(still doesn’t work), etc. I get a half answer from support and then have to wait 3-4 days for an answer. ### 4/5 — Helpful app *2026-06-26, version 5.47* While, some parts of this app are a little annoying to navigate making those extra payments automatically without having to think about it, it is kind of nice. A lot like Acorns, but for your bills. ### 2/5 — Unauthorized charges *2026-06-23, version 5.46* They have charged my account almost $10 5 times this month, twice in one day. I can’t get in contact with support. Going to the Acorns app, never had a problem with them. Several complaints about unauthorized charges from this company by many others. ## Most critical reviews (10 lowest-rated) ### 1/5 — Waste of money!! Will not track purchases for roundups *2026-08-18, version 5.53* I have had this app for a short period of time and been wondering why I even paid. The app is not pulling transaction history from my Wells Fargo accounts. I have followed troubleshooting steps with no resolution. I have submitted help tickets with no response. At this point I am ready to get a refund. It sounds like a good idea but is not working. ### 1/5 — Thieves *2026-08-16, version 5.52* Downloaded the app and they charged me $85 without doing a damn thing. Called my bank and put stop payment and had to go through hell to get my money back. ### 1/5 — Not sending payments lack of support *2026-08-14, version 5.52* Even that my threshold was setup for 100 dollar, the app didn’t send any payments for two weeks. Support didn’t even check my account because their replied clearly that showed that they didn’t even take the time to review what I was referring to. Support takes days to reasons. At first I was excited to try this app, but definitely cancelling now. The lack of support and the app issues aren’t a good sign to keep paying a monthly subscription. ### 1/5 — Deceptive Fees and business practices *2026-08-13, version 5.52* I signed up for this app and nowhere did I select an annual subscription option. I linked my accounts and signed up to make an initial $20 deposit the next business day. I did some googling and saw how much the fees could be and decided to cancel my account. I was literally signed up on Changed for less than 15 minutes before I cancelled. I woke up the next day to a $132 charge to my bank account! Now waiting on customer support to tell me whether or not I can get a refund. Hopefully they oblige or I will be filing a dispute with my bank and contacting an attorney. Outrageous! ### 1/5 — Subscription Use Service *2026-08-12, version 5.52* The app may be free to download, but you have to pay a $9 monthly fee to use. Or at least my screen is requiring a subscription fee before I can access. If I had known that I would not have downloaded. Developers may as well do a pay to download if you need to pay to use. ### 1/5 — Thieves *2026-08-11, version 5.52* Signed up for the top tier and thought I’d give it a try. Was about $135 for the year. Two weeks in I canceled and they kept my money…. Stay away from this app ### 1/5 — Scam *2026-08-01, version 5.51* This app has a $9 minimum monthly fee. Here’s a crazy idea, just use that $9 to pay extra towards your debt instead of paying someone else to do it for you. Grow up and be an adult and budget for yourself. Paying someone else to help you pay off debt is the stupidest thing and biggest scam ever ### 1/5 — Phone & SS ???? *2026-07-31, version 5.51* An app asking for extremely personal information without an encryption disclaimer, assurance they don’t sell your info, etc. all before they show you how the dang thing actually works???? Mark Cuban be better, come on now ### 1/5 — Bad app *2026-07-23, version 5.50* Downloaded the app for the first time. At first had issues with the app connecting to plaid to connect my information. So I uninstalled and reinstalled the app. Then got an email that it was connected to plaid after uninstalling so must of went through after uninstalling the app. So reinstalled the app, then after logging back in, the app wants me to make an automatic $25 deposit before I can go any further. Will not take me to my profile to be able to delete my account I have to make the $25 deposit first before I can go any further. So I deleted the app and contacted plaid to unlink my account. So hopefully I don’t get any unexpected charges that I do not accept since I no longer want to use the app. ### 1/5 — Needs $ *2026-07-12, version 5.50* This app needs subscription in order to use. Lame. There’s other app out there that’s free of subscription that works the same ## Most praised reviews (10 highest-rated) ### 5/5 — Great app *2026-08-15, version 5.52* Helped me pay off my loans from different lenders ### 5/5 — Debt tracker *2026-08-10, version 5.52* It is pretty cool app to use ### 5/5 — Love this app! *2026-07-27, version 5.51* It’s really helping me manage my debt ### 5/5 — Awesomeness *2026-07-24, version 5.50* Awesomeness ### 5/5 — The best *2026-07-16, version 5.50* Honestly the best thing I’ve ever used to save money and pay off debt. You literally don’t have to even think about it yet I’ve already knocked off 6 months on my car note. Chefs kiss. ### 5/5 — Love Love Love *2026-07-13, version 5.50* I’ve been absolutely in love with Changed. It’s so motivating to watch how much can be accumulated with just a few cents from your purchases, I paid off one of my credit cards within 2 1/2 weeks of starting the app incredible!!! ### 5/5 — App user *2026-07-10, version 5.50* I love the ChangEd app!! It has helped me to save and pay off so many of my bills, and most importantly my private school loan. ### 5/5 — Painless Way to Save *2026-07-07, version 5.50* This is an easy way to put money away whether it’s to clear debt or to have money put away for a rainy day. ### 5/5 — It works!!! *2026-06-30, version 5.47* I was surprised how much this actually works!! In 2 months already 150 plus has been sent away to reduce debt! Loving it!! ### 5/5 — Changed debt pay relief *2026-06-23, version 5.46* This app has really made a difference in the short span I’ve had it and I’m glad I invested the money I did , for the long term difference its making in my life ! --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-06.*