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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Deserve's app


Mobile App

Deserve Mobile app features

Deserve has two mobile applications. The application under the name of Deserve Mobile is only for Deserve EDU Mastercard for students.

The application allows Deserve EDU Mastercard credit cards holders to:

  • manage your account

  • change the settings of the financial products you use

  • get notifications on your transactions

  • review your payment history.

Deserve Cards app features

The second application is Deserve Cards. This app is for all the Deserve credit cards holders but EDU Mastercard for students. It supports Google Pay for Android users and Apple Pay for iPhone owners.

Through the Deserve Cards app, you can:

  • visualize your spending and compare each month

  • view your recent transactions

  • earn cash back and rewards

  • make payments toward your debt.

Deserve on Google Play

Download app

If your phone runs on Android, you can download it through Google Play. Click Install so the application will be downloaded on your phone. You can log in with your account email and password to start using the app.

Deserve on App Store

Download app

To download the mobile application on your iPhone, you need to open App Store and find the Deserve mobile app under the Deserve Inc. developer. Click download and wait for the application to install on your phone. Once it is installed, you can open it and log into your account.


How to delete a Deserve app?

To delete the app, find the icon on your phone and hold it. Once you see the menu, click Delete, and the app will be uninstalled.

What app I need for Deserve EDU Mastercard for students?

Deserve Cards is the app allowing you to manage your EDU Mastercard. You can find it on Google Play and App Store.

Calculate loan payments in Deserve

Deserve calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

100 $
500 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Deserve

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Deserve and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Deserve’s reviews by September 2022
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