6 of the Best Debt Repayment Apps That You Can Recommend to Your Clients

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February 14, 2017 | By RGR Marketing Blog

Get Clients on the Fast Track to Healthier Credit

We all know that we shouldn’t, but many of us still fall in the velvet-lined trap of consumer debt. If you have customers who are interested and ready to commit, but can’t qualify for major purchases because they’re carrying too much debt, there are tools out there to help them.

With the rise of online technology, there’s some digital tool, often in the palm of their hand, to offer debt reduction assistance. Get your debt settlement prospects on the road to credit qualification with one of these great smart phone or tablet debt elimination apps today.

1 – Debt Free

Our first smart phone and tablet app, Debt Free, retails for only ninety-nine cents on the Apple iTunes store and works with iPhone and iPad, provided they are running at least IOS 7. Currently, there is not an Android version of this app.

Like many debt reduction apps, Debt Free works on the snowball principle, where the consumer pays as much as they can on the bill with the highest interest rate while making the minimum payments on the rest of their loans. Once they’ve paid off the highest-rate bill, they then apply whatever they were paying on that one to the minimum on the next highest rate bill, and so on, until they’re all paid off.

But they don’t have to put that strategy together themselves, they just enter the information from each account and the app does the rest, while providing the user with colored graphs and other visuals to make their progress more of a reality.

2 – Ready for Zero

The Ready for Zero app is compatible with iPhone, iPad, and IPod Touch, as well as Android phones and tablets, and some desktop computers. It is free and will provide the consumer with a free credit score, as well. Unfortunately, free often comes with a different type of cost. This app requires more personal information than some consumers will be comfortable reporting, and pushes debt consolidation loans and other products with ads loading on nearly all screens.

That said, it is probably the most robust free debt reduction app available for both major systems.

3 – Debt Tracker Pro

Coming in at $1.99, Debt Tracker Pro is available for both Apple and Android products, including the iPod Touch. But for the extra dollar, the user doesn’t get much in the way of additional features. The app’s easy-to-use slider system may appeal to some, as will its automatic recalculation of debt-free dates based on changes made to payment amounts and interest rates.

4 – Debt Strategy

The Debt Strategy app costs only ninety-nine cents and is one of the most versatile debt pay-down apps available. The user enters their debts and then gets to preview three different payment strategies, evaluating the pros and cons of each, before making a decision on how to proceed.

The app comes with a variety of reports and graphics that make it easier to visualize the effect of changing payment amount, interest rate, etc. There is also a free Debt Strategy Lite app available that will let you see how the app works, but for only two debts. Unfortunately, it only works with Apple products.

5 – Unbury Me

Unbury.Me isn’t an app in the standard sense of the word. Rather, it’s a free online calculator that does much of what the other apps in this list do, plus the mobile version of the site works with both Apple and Android systems. Unbury.me allows the user to plug in multiple loans and to choose between paying the highest rate bills first, or paying the lowest balance items first. The only drawback is, it doesn’t have any of the fancy charts and visuals the other apps do.

6 – Debt Manager

Lastly, Debt Manager is available for both Apple products and Android ones. It costs ninety-nine cents on the iTunes store, but is free (an extremely simplified version) on Google Play. The full version on Apple products provides the user with lots of extras, including the ability to add additional one-time payments to bills loaded into the app, an email-based reporting system that is viewable on your home computer, color charts, and much more.

Offering Debt Reduction Tools Is a Great Way to Ensure New Business

As a busy sales professional, you don’t have the time to play debt counselor to all your prospective customers who want their buying power back, but don’t yet have their financial lives in order. If you can give them the tools to play counselor to themselves and get out of debt (or at least into a position where they can qualify for financing), they should thank you for it by giving you their business when they’re ready.

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Get Clients on the Fast Track to Healthier Credit

1 – Debt Free

2 – Ready for Zero

3 – Debt Tracker Pro

4 – Debt Strategy

5 – Unbury Me

6 – Debt Manager

Offering Debt Reduction Tools Is a Great Way to Ensure New Business

Start making more
money today!

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Contact Us

Get Clients on the Fast Track to Healthier Credit

1 – Debt Free

2 – Ready for Zero

3 – Debt Tracker Pro

4 – Debt Strategy

5 – Unbury Me

6 – Debt Manager

Offering Debt Reduction Tools Is a Great Way to Ensure New Business

Start making more money today!

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