• New feature! Earn up to 10% cash back on everyday purchases
• No credit check to apply. Zero credit risk to apply!
• Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
• Get free monthly access to your FICO score in our mobile application
• Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
• Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
• Fund your card with a low $200 refundable security deposit to get a $200 credit line
• Apply in less than 5 minutes with our mobile first application
• Choose the due date that fits your schedule with flexible payment dates
• Fund your security deposit over 60 days with the option to make partial payments
• Over 1.4 Million  Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
   

• Choose the First Progress Select Card for a lower annual fee!
• All credit types welcome to apply!
• Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time! 
• Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
• Secured Cards are a great way to start establishing credit for people with low/no credit scores¹
• Get a fresh start! A discharged bankruptcy in your credit file will not cause you to be declined
• Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
• ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Click for Disclosure
 

Deposit Options: Debit card funding. 

• New feature! Earn up to 10% cash back on everyday purchases
• No annual fee
• No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
• Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
• Monitor your credit progress with free access to your FICO Credit Score.
• Reports to all 3 major credit bureaus monthly to establish and build credit history.
• Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
• Secure your credit line with a refundable security deposit - as low as $300.
• Easy application, apply in less than 5 minutes right from your mobile device
• Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
• Now you can make smaller partial payments towards funding your security deposit over 60 days
• Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit

Multiple Ways to Build Credit.

A CreditStrong account is the fusion of a secured consumer installment loan and a savings account. During the life of your CreditStrong account you build both credit history and savings.

• Instantly build revolving credit with no minimum monthly payment required with CreditStrong Revolv
• Build installment credit and savings with low fixed monthly payments with CreditStrong Instal
• Build supersized installment credit with supersized plans with CS MAX

• Your payment performance is reported monthly to TransUnion®, Equifax®, Experian®, and Innovis®.
• Earn up to $1,225 in rewards. That’s 5x more value than the cost of Kovo.
• Lower your monthly interest payments when you have a higher credit score.
• Better credit makes owning a car and home possible, with higher odds for approval.
• Get your FICO® Score and see your credit score journey progress every month.

How it works:

1. Build with Installments: pay $10/month over 24 months.
2. Learn with Courses: pick up useful skills.
3. Earn with Rewards: up to 1% back on eligible loan offers.

Key features:

• Flat monthly rate
• Instant approval
• No credit check / no hard pull
• No bank account needed
• $0 security deposit
• $0 setup/admin fees
• $0 annual fees
• $0 late fees
• $0 prepayment fees
• 0% APR

Requirements:

• You must be at least 18 years of age
• You must have a valid U.S. Social Security Number

Available in all 50 states.

• Apply for an online checking account with no monthly fees^* and a debit card with up to 2% cash back on purchases^*
• It's quick, easy to open an account
• Get paid up to 2 days early^*
• Maximize your rewards with direct deposit^*

Disclaimers:

* Rewards Checking Plus customers who set up monthly direct deposits of $1,000 or more earn 2% cash back on common everyday expenses at convenience stores, drugstores, restaurants and bars - including deliveries - and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services, and 1% cash back on all other debit card purchases. 2% cash back is limited to $500 in rewards per calendar year; after $500, customers earn 1% cash back on all eligible debit card purchases for the remainder of the year. Rewards Checking Plus accounts with less than $1,000 in monthly direct deposits 60 days after account opening will earn 1% cash back on common everyday expenses and 0.50% cash back on all other eligible debit card purchases. Some limitations apply. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information.

* There are no overdraft fees or annual fees. Optional out-of-network ATM withdrawals are subject to a fee of $2.50, plus any third-party fees. Debit card transactions with merchants outside the U.S. or in a foreign currency are subject to a 3% fee. Outbound domestic wire transfers are subject to a fee of $20 after your first fee-free transfer per calendar month. Please refer to the applicable Cross River Bank Checking Deposit Account Agreement and Upgrade Visa® Debit Card Agreement and Disclosures for more information.

* Early direct deposit requires set up of recurring electronic direct deposit from your employer, payroll, or benefits provider and is limited to direct deposits under $5000. Early access to direct deposit funds depends on the timing in which we receive notice of impending direct deposit, which is generally up to two days before the scheduled deposit date.

* Active Accounts with a monthly direct deposit of $1000 are eligible for additional benefits on Rewards Checking Plus such as additional cash back rewards and more. See the Active Account page for more information.

• $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
• 3% unlimited cash back on every purchase in Home, Health, and Auto categories
• No annual fee
• Enjoy Visa Signature benefi ts, like Roadside Dispatch, Price Protection, Extended Warranty and more
• Up to 10% cash back from your favorite brands with Upgrade Shopping
• No touch payments with contactless technology built in
• See if you qualify in seconds with no impact to your credit score
• Great for large purchases with predictable payments you can budget for
• Mobile app to access your account anytime, anywhere
• Use your card anywhere Visa is accepted
• Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
   

• Loan Amounts: $1,000-$50,000
• Annual Percentage Rates (APRs): 7.99% - 35.99%.
• Fixed rates and payments with a clear pay off date.
• Flexible loan options: explore multiple options and pick the loan amount and term that best fits your budget and timeline.
• Fast Funding. Money is sent to your bank account within a day of clearing any verifications.*
• Automatic payments and ability to customize the due date: manage your account online or via the mobile app
• No prepayment penalties.
• Access to free credit score monitoring, educational tools, and personalized recommendations to help you understand and make the most of your credit.

Disclosures:

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's bank partners. Information on Upgrade's bank partners can be found at https://www.upgrade.com/bank-partners/

Fast Funding Disclosure:

*Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

Earn 1% Cash Back Rewards with First Progress Prestige!

• All credit types welcome to apply!
• Apply now and fund your security deposit over 90 days with the option to make partial payments.
• You Can’t Rebuild credit with a Debit Card. Try First Progress Today! ¹
• Secured Cards are a great way to start establishing credit for people with low/no credit scores.¹
• Get a fresh start! A discharged bankruptcy in your credit file will not cause you to be declined.
• Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
• ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Deposit Options: debit card funding. 

Click for Disclosure
 

• Greenlight celebrates smart money management by rewarding kids with up to 1% Cash Back and 2% on their Savings balances.*
• Send money to your kids — anytime, anywhere.
• Get real-time notifications any time the card is used.
• Create in-app chore lists and tie the work to perks.
• Allowance on autopilot.  Weekly or monthly, you can set it and forget it.
• Personalize your kids’ debit cards. Selfies rule.

Frequently Asked Questions (more on website)

Is there a minimum age?  We support kids and grownups of all ages. No minimum (or maximum) age here.

How much does it cost?  Greenlight plans start at $4.99 per month and include debit cards for up to five (5) kids. Your first month is on us, and you can cancel at any time. See our Plans page for more.

What do I need to sign up?

• Your email address
• Your mobile phone number
• Your child’s/children’s name(s)
• Your legal first and last name
• Your physical address
• Your date of birth
• A valid debit card or bank account
• Your Social Security number (SSN). For information on why we ask for your SSN, learn more about the U.S. Patriot Act.

Where is the card accepted?  The Greenlight card can be used almost anywhere Mastercard is accepted, online and in-store. “Almost,” because our cardholders are kids, and we’ve put important guardrails in place. Greenlight also works internationally in 150+ other countries, with no foreign transaction fees. No need to let us know if you travel abroad — you’ll have enough to remember.

Is Greenlight safe?   Greenlight blocks ‘unsafe’ spending categories, sends real-time transaction notifications and gives parents flexible ATM and other spending controls. We also provide additional layers of protection to our families in the form of face or fingerprint recognition and the ability to turn your card on or off directly in the app. Greenlight debit cards are FDIC-insured up to $250,000, and come with Mastercard’s Zero Liability Protection.

• 1 Application with up to 4 loan offers in minutes
• Apply online, 24/7 in the convenience of your home or office
• Lowest interest rates available – average customer saves $2000 in interest charges
• Get approved and have financing in place before going to a dealer
• Refinance and lower your current interest rate and payments or even skip a payment
• Also offering Private Party and Lease Buyout loans
• Fast & free  - No fees or obligations
• Private, secure and confidential

Your premier online auto finance and refinance marketplace. Apply now and receive up to 4 loan offers in minutes! Fast, easy and free…

• Rates as low as 5.48% APR
• Pre-qualify in seconds - Pre-qualify on our secure, fully online platform—without leaving the couch or giving your SSN
• Put cash back into your wallet. Our customers save an average of $113.78/month on their car payments*
• No impact to your credit to review pre-qualified offers
• Minimum Loan amount: $7500
• Loan term: 12-84 months

How Caribou works

Check your rate - Get pre-qualified offers in seconds with no Social Security number required and no impact on your credit.

Select your offer - Pick the refinance that works best for you, with offers from our top lenders.

Refi and save big - Simply submit a few documents and sit back as our team does the heavy lifting to refinance your loan.

Typical Requirements:

• Desired credt score: 650+
• Minimum annual income $24K
• No SSN required*
• Other requirements may apply

• Self Financial helps you get a Credit Builder Account through their banking partners, which has a term of 24 months.
• All payments are reported to the three major credit bureaus as an installment loan which helps consumers build credit.
• Savings plans start at $25/month and include credit monitoring.  At the end of account term, you've built credit history and your CD savings unlock. (minus interest and fees)

• Your rent payments can improve your credit score. Get what you deserve
• We report your payments to TransUnion, Equifax, and Experian
• A new tradeline appears on your credit report
• Look for your score to change within 10 days

Who Would Want To Participate In Our Rental Reporting Program?

• Rebuilding Your Credit? We can help you rebuild your credit in a matter of days by reporting your last two years’ of on-time rent payments to TransUnion. The addition of this significant payment history will have a dramatic impact on your credit and allow you to move towards credit independence.
• Want To Establish Credit? We add a new trade line to your credit report that reflects your on-time rental payment history.  We add not just your on-time payments but we add the length of your rental payment history.  How many years have you been renting a house or apartment?  That length of credit history is not part of your credit report.
• Buying A Home? We add a new trade line to your credit report that reflects your on-time rental payment history.  We add not just your on-time payments but we add the length of your rental payment history.  How many years have you been renting a house or apartment?  That length of credit history is not part of your credit report. Your rent payment history both “thickens” your credit file with positive data that is taken into account and demonstrates your ability to repay your largest monthly obligation……. your rent.

There are 4 simple steps to the rent reporting process

1. Verification of your identity and rent payments: On your application, we need basic information such as your social security number, date of birth, address, and your landlord’s contact information. Your social security number ensures that your rent history is clearly matched with your credit profile.
2. Verification of your rent payments with your landlord: We work directly with your landlord to verify their identity and confirm your on-time rent payments both over the last 24 months, and in the months to come. For a fee of $50 each, we can also verify and report rent payments made to multiple landlords within the past 2 years.
3. Rent reporting to credit bureaus: Equifax and Transunion. 
4. Tradeline creation on your credit report: A new tradeline is created on your credit report within 5-7 business days. You receive a notification when this is completed. As you continue to pay your rent each month, more information is added to this tradeline. This is why it is important to keep your subscription paid and current every month.

What Does This Program Cost?

Grow Credit offers a free Mastercard you can use to pay your subscriptions and build your credit.  Build Credit For Free!

We report your on-time payments to all three major credit bureaus (Equifax, Experian and TransUnion) which helps establish or boost your credit score.

• Grow Credit is a line of credit and there is no hard credit check, and applying will not impact your credit score.  
• Grow Credit is a MasterCard which can be used to pay for subscriptions and build your credit. You can use your card to pay for any subscription, including Netflix, Spotify, Amazon Prime, and over 100 other services. You can set it and forget it. We automatically debit the cost of your subscription from your bank account every month, ensuring timely payment. Then, we report your progress to all three credit bureaus.
• You don’t need to have any credit history to sign up, and there is no deposit required for our Build, Grow, or Accelerate plans. For those who do not yet meet our income requirements, Grow has a Secured card option, which requires a $17 deposit.
• It is free to sign up for a Grow Credit Build account, and there is no obligation to upgrade to a paid account at any time. Free account holders have a $17 monthly limit that can be used exclusively to pay for subscriptions, but it’s reported to the credit bureaus as a $204 line of credit ($17 per month for 12 months).
• The Grow premium tier comes with a $50 monthly limit, reported to the bureaus as a $600 line of credit. The Accelerate premium tier comes with a $150 monthly limit, reported to the bureaus as an $1800 line of credit. 
• If you don’t currently qualify for a Build account, you can open a Secured account. You will need to put down a $17 deposit, but that deposit will be refunded after 12 months of on-time payments.
• See all terms and conditions on the application page.

Other FAQ

• No hard inquiry
• Grow Credit is available in all US states.

Build credit with Kikoff.  The safe way to build credit..

We help you establish positive payment history and lower utilization, both important factors for raising your credit score.

• No credit check. No hard pulls required
• Starts at $5/mo. Cancel anytime
• With 0% interest
• Open your account in minutes
• Easy & automatic.  With the optional Autopay, never worry about due dates.

How does Kikoff work?

Kikoff is a credit-building service designed to help you build credit safely and responsibly. Our products are designed to target the 5 major credit score factors.

Kikoff offers 2 products:

1. Kikoff Credit Account - this is a revolving line of credit. This account builds monthly payment history and helps reduce your credit utilization.
2. Kikoff Credit Builder Loan - this is an additional product for customers with positive payment behavior on Kikoff products. Credit Builder Loan is a 1-year savings plan for $10/month.

Is this a credit card?

The Kikoff Credit Account is a revolving line of credit that gets reported to Equifax and Experian.

You are able to use the Kikoff Credit Account to finance the purchase of goods and services from Kikoff.

Unlike a credit card, the Kikoff Credit Account can only be used to make purchases from Kikoff (e.g. can’t buy gas or groceries)

Which bureaus does Kikoff report to?

Kikoff is an official data furnisher to the 3 major credit bureaus: Equifax, Experian, and TransUnion.

Please note that reporting depends upon which Kikoff products you have:

Kikoff Credit Account reports to Equifax and Experian.

Credit Builder Loan (optional add-on) reports to TransUnion and Equifax.

Please see all terms and conditions and state availability: https://kikoff.com/terms.pdf