New ReadyForZero Savings Platform

Today, we are announcing the release of the new ReadyForZero savings platform. By allowing trusted financial partners to make personalized savings offers to ReadyForZero users, we are now able to give you options that will get you to your financial goals faster. If the product or service will save you time and money based on your ReadyForZero performance and financial profile, we’ll let you know about it. If it doesn’t save you anything, who cares?

The best part: no data is exchanged with third-parties to present you with savings offers. It’s anonymous, secure, and automatic.

Here’s a more detailed description of how the savings platform actually works:

1. The ReadyForZero approved partner creates an offer and provides the qualification triggers that will decide who to show the offer to.

2. We run the numbers to find savings based on the triggers, your financial goals, and your situation. Triggers may include but are not limited to a combination of the following data points:

  • months on ReadyForZero
  • ReadyForZero speed
  • credit score
  • actual payment history
  • debt-to-income
  • debt-load
  • number of outstanding accounts

This means your financial goals and performance will help drive what savings you qualify for.

3. When we find a way to save you money, we present the offer details directly to you so you can decide what to do. If the offer makes sense for you, you can accept it and connect with that financial provider. Until then, the provider doesn’t know a thing about your account with ReadyForZero.

So not only is it completely secure and convenient, but we filter the best options and only show the ones that will help with your specific situation (see examples below). The better you perform, the better the offers you get.

Example of a savings offer with the loan details highlighted.

You might wonder how we can personalize these savings offers while keeping your information completely secure and private. The way we do that is by allowing partners to set triggers based on anonymous behavioral and financial factors. For example, an offer can be as simple as lower interest loans for any user with a debt load above a certain threshold, or as complex as a time-sensitive financial hardship concession for users with a great payment history. The key is that the triggers allow us to automatically make the offer available to you in real-time while keeping your information completely private. You decide to ignore or accept.

This means there will be more ways for you to save time and money while working toward your financial goals.

A wide range of users are attracted to ReadyForZero and we’re confident that this new savings platform will open up more ways for us to use technology and help people control their debt. Already, people are managing over $180M in debt using ReadyForZero, and have reduced debt by $8.5M. Our plan is for the savings platform to help accelerate this even more.

What do you think? Let us know your thoughts on this new feature – either in the comments below or via e-mail. We always like hearing from you.

Get offers for lower-interest rate debt consolidation loans here on ReadyForZero!
Check your rate using ReadyForZero's free debt consolidation tool. People have saved thousands by consolidating higher-interest debts using a single, personal loan, this will not negatively impact your credit. Check Your Rate Now

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  • Nghods

    is a very cool offer. I will definitely take advantage of it. But gotta be
    honest, I was a little put off by the word “consolidated loan” as it
    reminded me of all the gimmicky offers out there that trick people. I know you
    guys don’t and that you screen lenders very carefully, but I couldn’t help
    react to it.

  • Pdeej

    This is a great program!  I surely hope it helps many, many people.  I certainly would trust your judgement.

  • I just ran across your site today from a link in a Get Rich Slowly article.  It sounds like a good program, but it almost falls into the “too good to be true” category.  I found myself being very suspicious about why all you nice people set up this site to want to help me with my debts.  It’s taken me probably 15 minutes worth of digging to find this information about these lender offers. 

    Please understand that I’m not necessarily objecting to it.  Obviously, it costs money to run a site like this and this seems like a reasonable way to support this service.  I just wish you were a little more up front with it and included this info in your FAQ section.  I think users have the right to this information so they can make an informed decision about the trade off of your services = being offered loans by your lender partners. 

    That said, I will probably sign up for your service, but I’m going to wait a while and see if this information shows up in a more visible place. 

    • We understand your desire to find out our intentions – in fact, we do the same thing when deciding whether to use a new product or service. The Savings Platform is designed to only display offers that can actually help you accelerate and improve your progress toward paying off your debts. It won’t include credit card offers, but it will include things like a debt consolidation loan that gives you a lower interest rate than what you’re currently paying.

      People are provided offers based on their entire financial situation and performance, not just their credit score. This means our marketplace is more efficient at giving you opportunities to improve your situation.

      We’ve been very gratified to see that ReadyForZero is in fact helping people (see some of their stories here: ). If you decide to give ReadyForZero a try, please let us know how it works for you. We are always available to answer your questions. 

      Also, thanks for alerting us that the FAQ does not provide information about the Savings Platform – we’ll update our materials to better reflect this.


  • Lola

    I am getting more and more stressed out about my debt since my 0% deadline is coming up in December, how can I possibly pay off 15,000 dollars on a 1000 dollar paycheck which mostly goes to gas and credit payments and kids. Debt consolidations Is my thought but where and with whom do I start?

    • Hi Lola, I’m sorry to hear about the challenges you’re facing. It must be very hard. It’s possible that debt consolidation could help you, but it depends what kind of interest rate and payment plan they would offer you. We work with two companies called Lending Club and Prosper which are both peer-to-peer lenders. That means they make consolidation loans using money invested by other people from all over the country. It allows them to offer very good terms in some cases, so it would be worth checking out. On the other hand, if you feel like you will never be able to pay off the debt then you might want to consider seeing a financial adviser or a bankruptcy lawyer to determine your best course of action. Good luck!

    • P.S. You can sign up for ReadyForZero, which is a free tool for managing debt and creating a plan to pay it off. And then if you go to the “Next Steps” tab in ReadyForZero you will see a customized application for a debt consolidation loan from Lending Club or Prosper. Let us know if you need help navigating it. Thanks!