Side by side
Changed vs Hardship Hub
Both stand on debt management software. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Paid AndroidiPhone
Choose Changed if you want purchase roundups, flexible repayment strategies and savings goals in one debt payoff app. Look elsewhere if you need a free plan or do not want to pay for an annual plan starting at $4 per month.
Visit Changed Paid Web
Hardship Hub coordinates short-term payment proposals and gives counsellors tools to follow creditor responses. It is not yet open to consumers, and its debt exclusions and listed fees matter before considering it.
Visit Hardship HubThe facts
| Changed | Hardship Hub | |
|---|---|---|
| Free plan | No | No |
| Open source | Not published | Not published |
| Runs on | Android, iPhone | Web |
| Lowest paid plan | Changed: $4 a month | See the plans |
| Plans published | 1 | 2 |
| Maker | Not published | Not published |
| Website | gochanged.com | hardshiphub.com.au |
| On debt management software | #18 of 23 | #22 of 23 |
Changed: what it does well
- Split savings between debt payoff and personal goals.
- Choose snowball, avalanche or custom payoff strategies.
- Schedule extra payments or make one-off payments.
- Pause transfers for 15, 30 or 60 days.
- Available on Android and iOS.
What to know first
- There is no free plan.
- The annual plan starts at $4 per month.
- Debt payments are sent at $25, $50 or $100 Payoff account thresholds.
Hardship Hub: what it does well
- No credit check or credit file obtained
- Three-month plans combine eligible unsecured debts
- Counsellors can track responses and outcomes
- Skipped months incur no transaction fee
What to know first
- Not yet open to consumers
- Excludes several debt types, including secured debts
- Application fee is $49, paid once
- Transaction fee is $2.20 a month per payment sent
Alternatives to Changed Alternatives to Hardship Hub The whole list