NerdWallet vs Debt Optimizer

The free NerdWallet app is your money’s smartest friend – with easy budgeting tools, 24/7 credit monitoring, and personalized opportunities to save. BUDGET LIKE A PRO Get an easy-to-follow budget that automatically organizes your spending across needs, wants, and savings – so you always know what your money's up to. STAY ON TOP OF YOUR CREDIT We'll let you know about important changes, explain what's affecting your score, and help you understand what it all means – so you can build healthier credit habits. SEE THE BIGGER PICTURE Bring your accounts together to understand your spending, review your transactions, and know exactly where your cash goes each month. FIND WAYS TO SAVE From forgotten subscriptions to banking and savings options, we’ll help you uncover opportunities to put more money back in your pocket.  MAKE SMARTER MONEY MOVES Whether you're looking for a new credit card, bank account, or loan, compare trusted ratings and reviews to find an option that fits your goals. EARN MORE ON YOUR CASH When you open a Cash Account offered by Atomic Brokerage and deposit funds within 14 days, you can earn a boosted 3.90% APY on balances up to $250,000 for the first 6 months. Disclosures: NerdWallet privacy policy: https://www.nerdwallet.com/p/privacy-policy NerdWallet terms: https://www.nerdwallet.com/p/terms-of-use An introductory 0.65% Annual Percentage Yield (APY) boost is available on up to $250,000 in deposits for the first 6 months when you open a Cash Account offered by Atomic Brokerage LLC and deposit funds. Balances above $250,000 will earn the standard 3.25% APY. After the 6 month introductory period, all balances earn the standard 3.25% APY. The introductory APY boost of 0.65% is available through NerdWallet’s promotional program. APYs are accurate as of 05/26/2026 and are subject to change without notice. Paid Non-Client Promotion for the Cash Account: NerdWallet has engaged Atomic Brokerage LLC ("Atomic"), a registered broker-dealer and member of FINRA and SIPC, to bring you the opportunity to open a brokerage account (“Cash Account”) in which cash is swept into unaffiliated bank deposit accounts opened for you by, and in the name of Atomic Brokerage as agent and custodian. NerdWallet is a promoter of Atomic. Atomic shares fees from the cash sweep program banks with NerdWallet for each referred client who opens a Cash account, which creates a conflict of interest. Atomic and NerdWallet are not under common ownership and are not related entities. You will not be charged any fee or incur any additional costs for being referred to Atomic by the Promoter. For more details about Atomic Brokerage, please go to https://www.atomicvest.com/atomicbrokerage. You can check the background of Atomic Brokerage on FINRA’s BrokerCheck at https://brokercheck.finra.org/. See important Cash Account disclosures at https://www.atomicvest.com/legal/disclosures/7d9c31dd-bf97-46ae-9803-1774b97187af. You should not expect cash deposited in an Atomic Brokerage account used solely for the purpose of accessing the Cash Sweep to be protected by SIPC or FDIC insurance, and cash is only protected by FDIC insurance (subject to coverage limits and eligibility requirements) once deposited by Atomic Brokerage in the unaffiliated bank deposit accounts. If you prefer your cash to be invested in a Money Market Fund eligible for SIPC coverage, you must send an email to support-brokerage@atomicvest.com to discuss your options.

The Solve Finance App is where you can apply for Personal Loans, help build your credit report track record (we offer small Credit Builder loans), and view your credit report to help you better navigate your finances. With no impact to your credit score, you can see amounts, estimated rates, and monthly payments before verifying your income to apply for one of our direct loan programs. Enter your information once and keep up with your progress in the app. Direct Loan programs are offered by Franklin Credit. Any pre-approval for a loan program is based on your credit report and is not a commitment to lend — final terms are determined for completed applications using bank data to give as fair and full underwriting as possible, and try to offer options to as many people as possible. View your credit report and score. Track changes over time, review your accounts and balances on file, and see why your score is what it is and figure out your next move. Pulling your report through the Solve Finance app does not affect your score. HOW IT WORKS Create an account and tell us what you're looking for. View your credit report and see what you pre-qualify for. Complete your application and review rates, terms, fees, and monthly payments. Solve Finance was built by a team with backgrounds in household finance research and software engineering. You choose which products to apply for and when. Download the Solve Finance app to view your credit report and see what you pre-qualify for.