Frequently Asked Questions

Frequently Asked Questions

Everything you need to know.

If we haven’t answered your questions here, then feel free to contact us directly.

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! Instead of saving your money in a bank (where the banks get richer), join Worthy to invest in each other (where you get richer!). Together we can strengthen our communities and build a better economic future by investing in each other…all while earning a 5% return!

How can I join?

It’s as simple as linking your debit or credit card to our free app and then watching your portfolio grow through “round ups” (every purchase you make is rounded up to the next whole dollar and this spare change is invested). You can also purchase bonds on demand via a “buy bonds” button!

What will it cost me?

Worthy is free…the whole idea is for us to help you save and grow your money, right?

What do I need to sign up?

You will need to know your online login credentials for the bank that issued the debit or credit card you’d like us to monitor for round-ups, and for the bank account from which you’d like us to withdraw your bond purchases. You will also need access to a cell phone as the app registration is via a secure 6-digit code we send to your phone to verify your identity.

How secure is my information?

Worthy uses industry standard modern encryption to protect your data. Any user information is encrypted in transit with bank-grade security using SSL certificates.

When do I earn the interest?

You begin earning interest within a few days of your bonds being purchased, as soon as your funds clear the banking system.

When can I take out my money?

The 5% interest earning bonds are 36 month bonds however they can be cashed in at any time.

Is my money at risk?

Yes. All investments – no matter what type – carry some degree of risk. The bonds purchased through your Worthy app (or directly on the sales website) are not FDIC insured (which only applies to bank deposits) or bank guaranteed. Money from the bond sales are invested in asset backed business loans so all invested capital is backed by collateral.

What is the Round-up?

The round up is simply the mathematical operation of increasing the value of a transaction to the next highest dollar. For example, if $2.50 is spent, our app rounds that up to $3.00 and tracks that 50 cents towards your investment. Once the round ups reach $10.00 the 5% interest earning bond is purchased into your account. Note our program does not alter the amount of your transactions that appear on your bank statements – our software just uses your transactions to calculate and track the spare change from each purchase.

Can I add money whenever I want?

Yes! Adding money to your account to buy more 5% interest earning bonds can be done any time you wish through the “Add Funds” screen within the app. Whenever you’d like to buy more bonds, just click the “Add Funds” screen and type in the amount you’d like to invest.

What are the highlights of a Worthy investment?

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.


The bonds are 36-month term but your money can be withdrawn at any time.

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.

How does peer-to-peer lending work?

Qualified borrowers use online financing marketplaces to bypass banks and turn instead to individual and institutional investors to fund their loans. With no bank overhead to pay, these marketplaces can offer lower cost loans to borrowers like you! Also, because they are online, these lenders use technology to quickly evaluate and approve the loan applications.

What is the difference between Peer lending and Crowdfunding?

Peer lending (also known as “P2P” or 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 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 and 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 a
better economic future for yourself and for others.

Build a better economic future for yourself and for others.