How does the Bill Negotiation process work?
Rocket Money’s Bill Negotiation service helps you lower your monthly bills without the hassle of calling your provider yourself. Our team contacts your service provider directly, verifies your account, and negotiates on your behalf. We look for available discounts, promotions, or credits that can reduce your bill.
Common bills we can negotiate include internet, cable, phone, and security services. By working in real time with your provider, we aim to secure the best savings possible without you needing to spend hours on the phone.
How long will the savings last?
The length of your savings depends on the type of discount or promotion applied:
Most discounts last for 12 months
Some savings may be one-time credits
Others can last 6, 12, or even 24 months depending on the provider
Our expert negotiators will always accept the biggest promotion, discount, or credit available, as long as it does not downgrade or remove features from your account. Rocket Money will keep you informed about how long your negotiated savings will remain in effect so you know when to expect changes.
Will Rocket Money change my plan or services?
We will never downgrade your plan, remove features, or make changes to your services without your approval. Our goal is always to lower your bills while keeping the services you rely on!
Start saving today by submitting a Bill Negotiation in the app by following the steps in this guide.
As of November 2, 2026 Bill Negotiations will be available exclusively to Rocket Money members with a Premium+ membership. Instead of paying a fee every time we successfully lower a bill, Premium+ members will get Bill Negotiations with no added success fee.
If you submitted a Bill Negotiation before November 2 and it’s still in progress, it will complete under your current agreement, and you’ll be charged the usual success fee if it’s successful. Upgrading to Premium+ doesn’t change this. Once you upgrade, every Bill Negotiation you submit after that has no added success fee.
Visit Bill Negotiations is moving to Premium+ to learn more.