Consolidate and pay off credit card debt faster with AI-powered recommendations and automated payoff strategies. Track cash flow, build credit, and manage all your credit cards in one place.
Reviews of Gauss are mostly negative: the Finance app is rated 4.9/5 from 4.6K App Store ratings. What users like most: fast credit building, helpful credit tracking and budgeting tools. Top complaints: buggy app and login issues, misleading or false advertising. Summarized from real user reviews.
1.6.72
November 2, 2026
Bug fixes and improvements.
2 issues
Account deletion and data removal problems
Inconsistent app functionality across devices
3 requests
Ability to remove connected accounts
Customizable payment prioritization
Gauss facilitates balance transfers to lower APR credit lines, offers automated snowball and avalanche payoff tactics, and provides AI-driven recommendations for payments to help you become debt-free faster.
Yes, Gauss offers a Credit Builder product that provides a credit line which reports to major bureaus, helping you establish positive credit history even with no or low credit scores.
Membership fees for credit products start at $4.99 per month. Specific details on fees for credit products are available in the app's details section.
Gauss uses 256-bit encryption and bank-level protection via Plaid for read-only connections to secure your data. They state they never sell or share your data.
A low APR Gauss Credit Line for balance transfers requires prime FICO scores and has a variable APR of 14-18%, which changes with the prime rate.
The latest version of Gauss is 1.6.71, and it was last updated on October 28, 2026. This indicates a recent and active development cycle.
Gauss is currently supported on iPhone devices. Platform compatibility for other devices may be updated in future releases.
User reviews mention issues such as buggy app performance, login problems, and concerns about misleading advertising or unexpected fees. Some users also note limited availability.
