Comparison

BMG Money vs CarCard

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • 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
Read full description

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.

About

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.

Highlights
  • On-demand payments
  • Automatic payment scheduling
  • Account activity viewing
  • Access to discounts and coupons
  • Connects with auto lenders
Features
Read full description

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

BMG Money4 screens
CarCard4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

BMG Money ships an update fortnightly, CarCard every 6 weeks. Both last shipped on November 3, 2026.

Scorecard4 real differences · 6 level
BMG Money versus CarCard: the parameters behind the verdict, then further details
ParameterBMG MoneyCarCard
PriceFreeFree
Rating3.3 (151 ratings)4.2 (11 ratings) — better
Positive reviews44.2% of reviews — better40.0% of reviews
Number of ratings151 — better11
Update frequencyFortnightly — betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.0 — better16.0
Further details — not scored
Size148 MB151 MB
Age rating17+4+
DeveloperBMG Money Inc.CarCard

Customer experience

BMG Money

All ratings151 ratings
Positive57.0%
Neutral2.6%
Negative40.4%
Written reviews52 reviews
Positive44.2%
Neutral3.8%
Negative51.9%

CarCard

All ratings11 ratings
Positive63.6%
Neutral36.4%
Negative0.0%
Written reviews5 reviews
Positive40.0%
Neutral60.0%
Negative0.0%

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 more
  • 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

None

BMG Money

No in-app purchases

None

CarCard

No in-app purchases

Questions

Is BMG Money free?
BMG Money is free to download, with no in-app purchases.
Is CarCard free?
CarCard is free to download, with no in-app purchases.
Which has better reviews, BMG Money or CarCard?
CarCard is rated higher. BMG Money averages 3.3 out of 5 from 151 ratings, while CarCard averages 4.2 from 11 ratings.
Do BMG Money or CarCard have ads?
Neither BMG Money nor CarCard shows ads.
Which is updated more often, BMG Money or CarCard?
BMG Money ships an update fortnightly, and CarCard every 6 weeks. Most recently, BMG Money was updated on November 3, 2026 and CarCard on November 3, 2026.

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