If you have credit cards, then you know all about the love-hate relationship that comes with them. Credit cards often come with a wide range of benefits and various perks to entice you. The catch, however, is high interest rates and the time and energy you invest into staying on top of them every single month.

The average American has 4 credit cards, and each one has its own APR and due date. That’s 48 payments every year you need to budget for and pay on time. Only 16% of Americans set their credit cards to auto pay out of fear of over-drafting their accounts.

But now, there’s a new service that handles all the hard work for you.

Tally is a finance app that can manage all your credit cards at once and save you money on interest. It’s free to download, but to qualify you need a FICO Score of 660 or higher. Once you qualify, though, Tally lets you get all the benefits of credit cards with none of the burden.

All you have to do is scan your credit cards into the app, and Tally pays them for you — it’s that simple. There’s no limit to how many cards Tally will manage for you, and after you add them, Tally keeps track of their balances, APRs, due dates and any other details that help Tally pay them off for you in the fastest and most efficient way possible.

How does Tally pay my credit cards?

If you qualify, Tally gives you a revolving line of credit and uses that credit line to pay your cards. The limit on the credit line ranges from $3,000 to $20,000, and the APR ranges from 7.9% to 25.9% — they base the details of your credit line on your credit profile, which is part of the sign-up process.

Once you have your Tally credit line, Tally uses it to pay down any existing credit card balances. Because Tally keeps track of your credit card details, it knows which cards are costing you the most money and pays them off first, immediately saving you money on interest. Then, it uses the money you’re saving on interest and puts it toward any other balances, speeding up your time to be debt-free.

Because the Tally credit line is revolving, there’s no time limit for paying it off. And once you pay it back, you can keep using it as much as you need. You still pay interest on your balance with the Tally credit line, but it’s usually lower than what you’re paying now — and if it isn’t, Tally knows to only make decisions that save you money.

How do I know if Tally is right for me?

Tally is a convenient way to manage all your credit cards using one app. No more juggling multiple due dates. Tally’s Late Fee Protection ensures you never miss a payment and guarantees you’ll never pay another late fee again.

And if you’re wasting hard-earned money on credit card interest every month, the Tally credit line is also an efficient way to save money. Tally pays your highest APR cards first to maximize your savings and get you out of debt faster. Just remember that you need to qualify for the Tally credit line to get the benefits of Tally: In addition to your FICO Score, Tally also looks at your spending habits, outstanding balances and interest rates when you apply.

The Tally app is free to download and is available on Android and iOS for residents of the following states:

Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Iowa, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Missouri, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Washington, D.C., and Wisconsin.

If you live in an area where Tally isn’t available, you can join the waitlist to get notified once Tally becomes available.

Founded by Jason Brown and Jasper Platz in 2015, Tally’s mission is to make people less stressed and better off financially. That mission shows throughout the entire Tally experience whether you’re trying to simplify your credit card payments, or trying to get out of debt. Tally can help you reclaim control of your finances and put on the road of financial freedom.