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Debbie - Payoff, Save, Earn

Stop paying interest and start earning rewards. Join the psychology-backed program that turns saving money and paying down balances into a game with real cash prizes.

Finance & Utilities Management ›

Key Figures

Downloads

43K+

User Rating

4.8/5

Total Ratings

2K+

Publisher

Debbie Inc.

Reward Your Road to Financial Freedom

Debbie turns the stress of debt into a rewarding game. Use psychology-backed tools to upgrade your habits, pay down balances, and earn real cash rewards along the way.

Get Paid to Pay Off Debt

Turn your monthly bills into milestones. Earn real cash rewards for hitting your payment goals and maintaining savings streaks.

Master Your Money Mindset

Go beyond the numbers with personalized courses that uncover your psychology, helping you break the debt cycle for good.

FAQ

Frequently Asked Questions

Everything you need to know about Debbie - Payoff, Save, Earn

What is the Debbie app?

The Debbie app pays users cash rewards for achieving financial freedom goals such as paying off credit card balances, building savings, and paying down debt. It also provides a psychology-based money goals program.

Is the Debbie app free to use?

Yes, the Debbie app is currently 100% free to users. It is sponsored by partner financial institutions, primarily not-for-profit, community-based credit unions.

How does the Debbie app help users save money?

Debbie helps users save money by keeping them on track with their financial freedom journey, preventing new debt, and working to reduce the interest burden on existing debts through its Rate Crusher feature.

How can users earn cash rewards with the Debbie app?

Users earn cash rewards in the Debbie app by completing personalized monthly credit card payment and savings goals (Streaks), weekly financial challenges (Quick Wins), and weekly money psychology courses (Pathway).

What is the minimum amount required to cash out rewards from Debbie?

Users can cash out rewards from the Debbie app once they reach $50. The app offers unlimited cash-outs once this threshold is met.

Does Debbie sell user data to third parties?

No, Debbie does not sell user data to third parties. All user data connected through services like Plaid for tracking accounts is encrypted.

How does Debbie get paid if it's free for users?

Debbie gets paid by financial institutions that sponsor users to improve engagement on their loan and savings accounts. These partners also pay Debbie for matching users with suitable financial products.

Can Debbie help find lower interest rates on debt?

Yes, Debbie offers a 'Rate Crusher' feature. This helps users find lower interest rates on their debt with the app's banking partners, accessible once users level up in the program.

Do I need to open a new bank account to use Debbie?

Users can use the Debbie app for free without opening any new accounts. However, opening a free checking or savings account with a matched sponsor partner is necessary to redeem rewards.

Does Debbie have a referral program?

Yes, Debbie has a referral program. Users can earn $5 per qualified referral, though terms and conditions apply to this offer.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

Debbie - Payoff, Save, Earn - A mobile phone displaying the Debbie app dashboard showing cash rewards and progress toward financial goals. — A mobile phone displaying the Debbie app dashboard showing cash rewards and progress toward financial goals.

Debbie - Payoff, Save, Earn - Debbie app interface showing debt payoff streaks and savings rewards notifications — Debbie app interface showing debt payoff streaks and savings rewards notifications

Debbie - Payoff, Save, Earn - Debbie app screen showing lower interest rates and debt refinancing options through credit unions — Debbie app screen showing lower interest rates and debt refinancing options through credit unions

Debbie - Payoff, Save, Earn - A gamified financial psychology course roadmap in the Debbie app showing lessons and rewards. — A gamified financial psychology course roadmap in the Debbie app showing lessons and rewards.

Debbie - Payoff, Save, Earn - Promotional graphic showing user testimonials and social media community for the Debbie app. — Promotional graphic showing user testimonials and social media community for the Debbie app.

Debbie - Payoff, Save, Earn - Positive user testimonials for the Debbie financial app from Martha B and Stephen T — Positive user testimonials for the Debbie financial app from Martha B and Stephen T

Description

Earn cash rewards for reaching your financial freedom goals. Debbie is the first app that pays you for paying off credit card balances, building up savings, paying down debt, and learning about your money psychology. At the core of Debbie is a psychology-based money goals program, where we help you understand your mindset, set financial goals, track your progress, and earn rewards when you reach milestones! Each part of the Debbie program will help you gain the knowledge and tools to upgrade your habits, stay out of debt forever, and build wealth. Here are the features you can expect from the Debbie app: - Streaks: personalized monthly credit card payment and savings goals - Quick Wins: weekly short financial challenges, like checking your balance or credit score - Pathway: weekly courses that uncover the truth of your money psychology - Cash rewards for completing all of the above The app is currently 100% free and sponsored by our partner financial institutions, who are primarily not-for-profit, community-based credit unions. HERE’S HOW IT WORKS: 1. Download the app and complete your onboarding quiz The quiz will help us personalize your experience, content, and money challenges 2. Accept your sponsor partner We are able to offer Debbie for free through our sponsor partners. You will need to open a free checking or savings account with your match in order to redeem your rewards, but you will be able to use Debbie for free without setting up any new accounts. We will eventually offer the ability to bring your own bank, for a small monthly fee. 3. Connect your debt and savings accounts In order to help you track your progress and reward you for hitting your goals, you will need to hook up any relevant accounts via Plaid. All of your data is encrypted, and never sold to 3rd parties. 4. Get started on your Debbie course We will walk you through your Debbie course which teach your about your money mindset. 5. Hit your goals and get paid Complete your debt payoff and savings goals for the month, as well as your weekly Pathway to earn points. Once you reach $50, you can cash out. We offer unlimited cash-outs. 6. Access lower rates on your debt and refinance* Level up in the Debbie program and gain access to our Rate Crusher, where we help find you a lower interest rate on your debt with our banking partners.. FREQUENTLY ASKED QUESTIONS How much does Debbie cost? Debbie is 100% free to the user. How does Debbie get paid? We work with financial institutions who sponsor our users in order to improve engagement on their loan and savings accounts. In addition, those partners pay us when we’re able to match you with a product that suits your needs. How does Debbie save me money? We focus on making sure you stay on your financial freedom journey and don’t rack the debt back up, as well as reducing the interest burden of your current debts. Does it really work? Debbie users have pad off 3x more debt than the average debtor, as well as save around $100/month on average. Do you want to be part of this elite crowd? Do you have a referral program? Yes, you can earn $5 per qualified referral. Terms and Conditions apply. DISCLOSURES Not a guarantee of approval. Debbie does not extend credit directly. Our credit check won’t impact your credit score. Terms and conditions apply.