What services can be negotiated?
Rocket Money can negotiate your bills lower on your behalf, saving you money and time. We can negotiate with most popular services such as:
Cable and Satellite TV
Internet and Phone
Home Security
Satellite Radio
How to submit a Bill Negotiation in the mobile app:
Submit a bill by locating the Ways To Save section on the Rocket Money dashboard and click on Lower Bills.
Next you will need to choose your bill. Choose your service provider from the list or select Can’t Find Your Service at the bottom of the page if you are unable to locate it from the list.
Connect your provider account by entering your credentials or uploading a photo of your billing statement. Follow the prompts to enter your account details and negotiation preferences.
Finally, confirm your payment method if we are able to successfully negotiate your bill. We charge your choice of a percentage of the first year savings as a success fee, you can choose any amount from 35% to 60%. If we don't save you anything, you aren't charged.
Frequently asked questions
What happens if Rocket Money can't lower my bill?
You pay nothing! We only charge a success fee if we successfully negotiate a lower rate for you. If we can't save you money, there's no charge.
How much does the bill negotiation service cost?
We charge a percentage of your first year's savings, which you can choose between 35- 60%. For example, if we save you $300/year and you choose 40%, you'll pay a one-time fee of $120.
How long does the negotiation process take?
After a successful Bill Negotiation, savings are typically applied within 1–2 billing cycles. This timing depends on your provider’s billing schedule and statement dates. Once the discount or credit is active, you’ll see it reflected directly on your billing statement. You'll receive updates throughout the process and a notification once we've finished negotiating on your behalf.
Can I negotiate multiple bills at once?
Yes! You can submit multiple bills for negotiation. Each bill will be handled separately, and you'll only pay success fees for the bills we successfully lower.
What information do I need to provide?
You'll need either your provider account login credentials or a recent billing statement to upload. We'll also ask for your negotiation preferences and payment method for the success fee.
Will my service be interrupted during negotiation?
No, your service will continue uninterrupted. We negotiate on your behalf without affecting your current service.
What if my provider isn't on the list?
Select Can't Find Your Service at the bottom of the provider list. You can still submit your bill for negotiation by manually entering your provider information.