Live for now.
Save for later.

Fund your future with every purchase you make.

Already a member?
Login to see how much you’ve earned this month!

Live for now.
Save for later.

Fund your future with every purchase you make.

Already a member?
Login to see how much you’ve earned this month!

Invest your spare change into a peer powered portfolio.

Earn a 5% fixed return… and save on loans as a borrower too!

Spare change adds up

Our mobile app monitors and rounds up your daily purchases to the next whole dollar and invests this spare change.

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You are funding your future every time you shop, without disrupting your lifestyle or spending habits.

Of course, you can add funds and grow your nest egg anytime you want.

Solid returns, anytime

Skip the bank and earn 5%. Your money is invested into $10.00 fixed interest bonds that fund loans for creditworthy American businesses.

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The bonds are 36 month term but you can withdraw your money at any time.

Borrow and save

Want to refinance a student loan or credit card? Need a car or consumer loan? We can connect you with the best options and save you money.

read more

Online lending platforms have no bankers or branches to operate so they can pass along the savings and bring you lower loan rates.

Spare change adds up

Our mobile app monitors and rounds up your daily purchases to the next whole dollar and invests this spare change.

Solid returns, anytime

Skip the bank and earn 5%. Your money is invested into $10.00 fixed interest bonds that fund loans for creditworthy American businesses.

Borrow and save

Want to refinance a student loan or credit card? Need a car or consumer loan? We can connect you with the best options and save you money.

read more

You are funding your future every time you shop, without disrupting your lifestyle or spending habits.

Of course, you can add funds and grow your nest egg anytime you want.

read more

The bonds are 36 month term but you can withdraw your money at any time.

read more

Online lending platforms have no bankers or branches to operate so they can pass along the savings and bring you lower loan rates.

Welcome to a fairer, more human side of finance.

Financial markets are rigged against the small investor and it’s time for a change.

Worthy helps you save and grow your money — and do it in a way that better aligns with your values and lifestyle. Your spare change is invested in 5% fixed interest bonds and these funds are used to help fuel American small businesses. Imagine that — putting your money to work by supporting your fellow humans.

Worthy’s growing portfolio of income-producing companies

Here are just a few examples of ventures who are benefitting from the Worthy bond sales & loans.

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Our app supports Main Street, not Wall Street.

Your investments make a positive impact while you earn a return from your peers.

Our app supports Main Street, not Wall Street.

Your investments make a positive impact while you earn a return from your peers.

By being a Worthy member, you’re supporting your fellow humans while earning a strong return with bonds that pay a 5% fixed interest rate.

Worthy uses your money to lend to well-qualified borrowers seeking capital to grow their business. Earn a return while supporting Main Street.

Supports fellow humans.

The $10.00 bonds fund asset-backed loans to creditworthy American businesses – a primary driving force behind the health of the U.S. economy.

Generous Interest.

The bonds pay you a 5% fixed annual interest rate. Build your nest egg without Wall Street.

Liquid.

Your money can be withdrawn at anytime. Bonds are a 3 year term BUT you can withdraw your money at any time.

By being a Worthy member, you’re supporting your fellow humans while earning a strong return with bonds that pay a 5% fixed interest rate.

Worthy uses your money to lend to well-qualified borrowers seeking capital to grow their business. Earn a return while supporting Main Street.

Supports fellow humans.

The $10.00 bonds fund asset-backed loans to creditworthy American businesses – a primary driving force behind the health of the U.S. economy.

Generous Interest.

The bonds pay you a 5% fixed annual interest rate. Build your nest egg without Wall Street.

Liquid.

Your money can be withdrawn at anytime. Bonds are a 3 year term BUT you can withdraw your money at any time.

Meet the executive team behind Worthy

Worthy’s founders are some of the earliest pioneers in the crowdfinance space.

Sally Outlaw

Founder, CEO

Alan Jacobs

Executive VP, Chief Strategy Officer

Who can join Worthy?

Due to financial regulations, you must be a U.S. citizen and 18 years or older. Beyond that, those who would like the financial benefits (helping you tuck money away and earn 5% on it!) as well as those interested in the social aspect – helping community businesses grow – are ideal members! Together we can strengthen our communities and build a better economic future by investing in each other…all while earning a 5% return!

What will it cost me?

Worthy has no fees at all.

You will have to pay taxes on your investment returns like everyone else, but you’ll be sent all the documents you’ll need for tax season.

How do the “round-ups” work?

A “round-up” means when you buy something we round the purchase price up to the next highest whole dollar. For example, when you spend $2.53, we round that up to $3.00 and the .47 difference is tracked towards your investment account. We monitor the purchases on your Worthy linked debit or credit card and when the round-up total reaches $10.00 it is invested in a 5% interest earning bond. Note your bank transactions themselves are not altered — Worthy just calculates the round-ups based on your purchases but does not change your original transaction amounts so your bank statements will stay the same.

Can I Start Now?

Soon! We successfully concluded a pilot test with our prototype and a few hundred initial users but now we are building out our full product. We welcome you to get in line for the launch!

Can Worthy help me save money on a loan?

Yes! Not only can we help you grow your money but we can save you money as a borrower by linking you  to lower rate loans. Whether the money is for consolidating debt, home improvement, refinancing student loans or growing a business, the online marketplace lenders with whom we partner can usually offer borrowers a lower cost of credit as they don’t have the overhead of traditional banks.

What is the difference between P2P and Crowdfunding?

“P2P” (peer to peer) is a term used to describe a new way for borrowers to secure a loan electronically from individual investors through a web based platform instead of a traditional bank. This industry, also referred to as Marketplace Lending, has grown significantly in the last 10 years. It allows the individual investors to benefit from the loan interest paid while the borrowers get their loan proceeds efficiently and cost-effectively.

“Crowdfunding” is a term used to describe a way for entrepreneurs / start-ups / emerging companies / individuals to attract capital using a combination of Internet platforms, contacts within one’s social networks and the new regulations through the JOBS Act passed by Congress and signed by the President. The premise of crowdfunding is that it’s easier to raise money in small increments from a lot of people rather than a large amount of money from one person. Unlike P2P lending, crowdfunding does not always offer a financial return — sometimes the person contributing money is doing so to “pre-order” a product that will be made with the contributed funds.

Build your nest egg, one dollar at a time.

Build your nest egg, one dollar at a time.