BMG Money vs CarCard
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
BMG Money
Access personal loans designed for employees and retirees, with amounts from $500 to $10,000. Offers quick loan decisions and funding, even without a FICO score. Ideal for those seeking to improve their credit or needing funds quickly.
- Loans from $500-$10,000
- No FICO credit score required
- Loan offers in minutes
- Higher acceptance rate
- Instant funding available
- APR from 16.99%-35.99%
- Referral program for extra cash
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BMG Money is a great loan solution for employees and retirees who are working on improving their credit scores. This app is for new loans for existing customers. 1. Better Loan Offers (4) - Loans ranging from $500-$10,000 & terms from 6-48 months 2. No Credit Score Required (2) - We do not use FICO credit scores when reviewing loan applications 3. Easy Application - Loan offers in minutes from any device 4. Higher Acceptance Rate - When banks say no, we say yes 5. Instant Funding Available (1) - Most borrowers get their loan proceeds deposited in their bank accounts instantly. Loans are automatically paid through allotment, direct deposit, debit card, or payroll deduction. 6. Annual Percentage Rate (APR) ranging from 16.99%-35.99% 7. Loans do not require repayment in full in 60 days or less from the loan issue date 8. If you have been employed for at least one year, are over 18 years of age, are not active in the military and are not in bankruptcy, you may be eligible. Also you must be employed by one of the employers we work with. Access https://app.bmgmoney.com/signup to see if your employer qualifies, terms and conditions apply. 9. Stay informed when you enable notifications 10. Enable Touch ID / Face ID for instant access 11. Earn extra cash by referring BMG Money to your friends and colleagues Loan example: A 17-month $2,000 loan with a finance charge of $500.06 and a 31.67% APR has 36 bi-weekly installments at $70.00 each, for a total loan cost of $2,500.06. All loans marketed by BMG Money are made by WebBank, except the loans made to residents of Illinois, Ohio, Rhode Island are made by BMG LoansAtWork, Inc.
CarCard
Easily manage your auto loan payments and stay up-to-date with your account. Make one-time or automatic payments, and access exclusive discounts and coupons. Registration with a participating auto lender is required.
- On-demand payments
- Automatic payment scheduling
- Account activity viewing
- Access to discounts and coupons
- Connects with auto lenders
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CarCard connects with your auto lender, making payments and staying current with your account a breeze. Make on-demand payments. Schedule automatic payments. View account activity. complementary access to thousands of discount and coupons CarCard is for participating auto lenders and their customers; registration is required.
Screenshots
Verdict
The clearest difference is rating: CarCard at 4.2 against BMG Money's 3.3. BMG Money's advantage is update cadence (fortnightly vs every 6 weeks) and ratings volume (151 vs 11). On price, review sentiment, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
CarCard holds the better App Store score, 4.2 against 3.3. That said, the two scores are not equally well evidenced: BMG Money has 151 ratings behind it against 11, so its average is the more settled of the two. Written reviews complicate that: 44% of BMG Money's written reviews are positive against 40% of CarCard's, so the app with the better star average is not the one people write more warmly about.
BMG Money ships an update fortnightly, CarCard every 6 weeks. Both last shipped on November 3, 2026.
| Parameter | BMG Money | CarCard |
|---|---|---|
| Price | Free | Free |
| Rating | 3.3 (151 ratings) | 4.2 (11 ratings) — better |
| Positive reviews | 44.2% of reviews — better | 40.0% of reviews |
| Number of ratings | 151 — better | 11 |
| Update frequency | Fortnightly — better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 15.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 148 MB | 151 MB |
| Age rating | 17+ | 4+ |
| Developer | BMG Money Inc. | CarCard |
Customer experience
BMG Money
CarCard
Bugs and requests
BMG Money
Reported bugs
16 issues- Unable to log in through the app
- App won't reload successfully
- App displays inaccurate information
- App is reporting negatively on credit
- Error when logging into the app or online
Show 11 moreShow fewer
- Cannot access loan
- Endless login loop
- Cannot sign onto web or app
- App doesn't work
- Cannot log in online anymore
- App doesn't show refinancing option
- Can't log in to my account to access loan
- Truv is bugged
- Won't let me link my work account
- Won't let me connect my employer
- Employment verification won't work
Requested features
5 requests- Add Walgreens to employer list
- Fix bug with Truv linking work account
- Update app for more accurate payment dates
- Provide more bonus for sharing referral link
- Increase refinance bonus amount
CarCard
Not enough reviews yet to summarise bugs or requests.
In-app purchases
BMG Money
No in-app purchases
CarCard
No in-app purchases









