Build credit without a credit card.
Apply in minutes. Instantly receive a bank loan and place the funds in a FDIC insured savings account in your name. Funds are locked to secure the loan.
Make small monthly loan payments. As a bank, we report your payments to the three major credit bureaus, building your credit history each month.
Track your progress. Receive a monthly FICO® Score 8 for free, so you can track your progress. 90% of top lenders use FICO Scores when making decisions.
Unlock savings. When your loan is repaid in full, the lock is removed from your savings account. You’ve built both credit and savings.