Step 1 of 6 · 30 seconds

Let's see what we can cover.

✓

or enter it yourself

First name

Last name

Mobile number

For 2-factor login only. Never sold or shared.

Who invited you? (optional)

If a friend or team brought you to 5arz, add their name so they get credit.

Friend's referral code (optional)

Have your friend's code? Enter it so you get connected to them — they earn rewards as you make progress. (Auto-applied if you used their link.)

By continuing you agree to our Member Agreement.

Step 2 of 6 · ID verification

Confirm it's really you.

Same check used by banks and fintechs. Your ID is encrypted, never stored on our servers, and verified by Stripe Identity — bank-grade.

★

Your data, your rules Stripe Identity verifies your ID and the document image stays with Stripe (PCI/SOC 2 Type II). 5arz never sees a copy. You can revoke access at any time from your dashboard.

What you'll need

1A government ID — driver's license or passport
2A clear room — for a quick selfie match (you'll see the prompts)
3~60 seconds. Stripe will tell you instantly if it works.

PCI · SOC 2 Type II · GDPR · CCPA compliant

Camera not working? Retry and choose “Upload a file” inside the Stripe window — no live camera needed. Still stuck? We'll verify you manually.

Step 3 of 6 · Soft credit pull

Let's see your debts.

We'll do a soft pull through Method Financial — the same way Credit Karma checks your score. This never affects your credit.

What's a soft pull? A soft inquiry shows your credit report to us but is invisible to lenders and never lowers your score. Banks, lenders, and 3rd-party scoring services do thousands of these per year on most consumers. Yours stays between you and 5arz.

What we'll see

Just enough to build your offer — nothing more.

✓Your debts — credit cards, personal loans, medical bills, BNPL, student loans (federal + private)
✓Balances and APRs — so we can prioritize what to pay off first
✓Account standing — so we can confirm the accounts you're tracking are legitimate
✗Not your credit score. We never see it, never check it, never report on it.

Bank-grade · 256-bit · No score impact, ever

Step 3 of 6 · Add your debts

Enter your debts.

Two ways to get this done. Pick whichever fits your patience level — both lead to the same offer.

Add a debt

Creditor

Type

Current balance ($)

APR % (optional)

Last 4 of account (optional)

▍ Your debts

0 No debts added yet — fill the form above to get started.

Running total $0

Adding a balance here just sets a goal to earn toward — it's optional, and you stay in control of any payment you choose to make. We may ask for a recent statement to confirm it's yours. Your entries auto-save as you go — refreshing the page won't lose your work.

Need to finish another time? Save and continue later

Connecting to your bureau…

This usually takes 12–20 seconds. We'll show you everything we find.

Step 3 of 6 · Verify your phone

Enter your verification code.

We sent a 6-digit code to your phone — check your messages. It expires in 5 minutes.

Credit Report Authorization (FCRA) By proceeding, you agree to the Spinwheel End User Agreement and authorize 5arz and its service providers to obtain your consumer report using your name, date of birth, and phone number for the sole purpose of verifying your debt obligations. This is a soft inquiry — it does not affect your credit score or appear on reports seen by lenders.

Sending your verification code…

Step 4 of 6 · Your debts

Here's what we found.

Pick which debts you want 5arz to cover. You can include all of them, just one, or any combination. We'll show you the offer next.

Total selected

— of — debts · loading…

Step 5 of 6 · Your offer

Here's your earning plan.

Free to join. You earn at your own pace — 1★ = $1, cash out anytime, and use your earnings however you want.

Your goal

earn it at your own pace — your cashed-out earnings, your call

—

Projected payoff

—

Per week

— ★

Avg per month

Your progress milestones

25%

of your
goal earned

50%

of your
goal earned

75%

of your
goal earned

100%

goal
reached

As you earn, you watch your progress toward your goal in your dashboard. Cash out anytime and direct your earnings yourself — bills, savings, or paying down a balance.

Simple terms · no fees, no penalty

✓ Free to join

No signup fee, no interest, nothing to buy. You keep what you earn.

◷ Your pace

No quota

Earn when you want, pause anytime. No penalty for taking a break.

The terms — in plain English

You're paid for verified work. Each task pays in Stars — 1 Star = $1.
Your goal: $0 — earn toward it at your own pace; there's no deadline and no obligation.
Cash out anytime to your bank or debit card via Stripe — funds typically land in 24–48 hrs.
Your earnings are yours to use however you want — bills, savings, gift cards, or paying down a debt yourself.
Free to join. No fees, no interest, no obligation — stop or pause anytime with no penalty.
5arz pays you for your work. It does not lend money or pay creditors on your behalf.

I understand 5arz pays me for verified work (1★ = $1), that there are no fees or obligations, and that I direct my own earnings. I've read the privacy policy and terms.

Stripe — Identity Stripe — Payouts Cloudflare — Infrastructure Base — Protocol

✓

You're a 5arz member.

Your account is ready. We've credited 5 Stars as a welcome bonus — that's $5 already in your balance, before you've done a thing.

Balance

Stars earned

5 ★

Start my first task →

Takes about a minute. Every answer pays Stars — 1★ = $1.

Skip for now — open my dashboard