Turn Spare Change into Loan Payments

Yes, connecting your financial accounts to Wealthiest is safe and secure. We use bank-level security measures and partner with a trusted third-party service to ensure your data is always protected.

Yes, you have complete control over your account.

You can easily pause your round-ups or cancel your Wealthiest account at any time directly from the app’s settings. There are no fees or penalties for doing so.

• To Pause: If you need to temporarily stop making payments, simply go to your settings and toggle the round-up feature off. Your account will remain active, and you can resume payments whenever you’re ready. Any round-ups you have already accumulated will remain in your Wealthiest account until you choose to transfer them to your loan.
• To Cancel: If you wish to close your account, you can do so in the app’s settings. Any remaining funds in your Wealthiest account will be transferred to your designated student loan or refunded to your linked bank account, depending on your preference.

We believe you should be in full control of your financial journey, and our goal is to provide the flexibility you need.

No, using Wealthiest will not directly affect your credit score in a negative way. In fact, it’s designed to help you improve your credit over time by accelerating your student loan payments.

Here is a more detailed explanation:

• No Direct Impact from Wealthiest: We are a payment facilitation service, not a lender. This means we do not report your account activity, payments, or usage to any credit bureaus (like Equifax, Experian, or TransUnion). We also do not perform any “hard inquiries” on your credit report when you sign up, which can sometimes lower your score by a few points.
• The Indirect Positive Impact: Your student loan servicer is the one who reports your payment history to credit bureaus. By using Wealthiest to make extra payments, you are paying down the principal balance of your student loan faster. This can have a positive effect on your credit score over the long term by:
  • Reducing your debt utilization ratio: This is a key factor in your credit score calculation.
  • Demonstrating responsible payment behavior: Consistently reducing your loan balance shows lenders that you are a reliable borrower.
  • Your Data Is Secure: When you connect your accounts, we use a secure, read-only connection. This is a “soft inquiry” that does not affect your credit score and is only used to view your transactions and facilitate your payments.

In short, Wealthiest is built to help you make smarter financial decisions without risking your credit standing.

That’s completely fine. Even without student loans, you can still join Wealthiest to improve your financial knowledge and get a head start on your financial future.

Our platform offers a wealth of free financial literacy content, including articles, guides, and tools designed to help you build smart money habits. By joining, you’ll be well-prepared to handle your finances when the time comes.

Once you take on student loans, you’ll have the option to upgrade your plan. This unlocks the app’s full suite of features, including our automated round-up system, to help you pay down debt faster and more efficiently. Think of your free access as a foundation—we’ll be ready to help you accelerate your payments as soon as you are.