Changed

What Changed is

Changed is a debt payoff app that rounds up purchases and directs savings toward debt or selected financial goals. Members can split savings between repayments and goals such as an emergency fund or down payment. The app transfers roundups when they reach $5; members can choose transaction types, a multiplier and the pace. Loans and spending accounts can be linked, while loan details can also be entered manually. Changed supports scheduled extra payments and one-off payments, with snowball, avalanche and custom payoff strategies. It sends debt payments when a Payoff account reaches $25, $50 or $100. The app also tracks credit score information and provides insights about credit usage, on-time payments and new accounts. Members can pause transfers for 15, 30 or 60 days, and can help pay a loved one's debt by entering loan details and directing payments. Changed is available on Android and iOS. Changed says it is a financial technology company, not a bank, and that banking services are provided by nbkc bank, Member FDIC.