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OpenSky® Secured Visa ® Credit Card

CREDIT NEEDED

Bad Credit
No Credit

You're pre-approved*

Earn up to 10% cash back on everyday purchases
No credit check required – 89% approval rate with zero credit risk to apply!
Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
Track your progress with free access to your FICO® score in our mobile app
Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
Start with just $200—secure your credit line with a refundable deposit
Fast and easy application—apply in minutes with our mobile-first experience
Flexible payment options—pick a due date that works for you
More time to fund—spread your security deposit over 60 days with layaway
Join 1.6 million+ cardholders who have used OpenSky® to build better credit!

**Pre-Approved means that you have met the initial criteria for this credit card; however, your application may be rejected if any of the following apply: You are a non-United States resident; the social security number you provide is invalid or we are unable to verify your identity under federal law; you are under 18 years old; your monthly expenses are greater than your monthly income; you lack sufficient income or assets to pay the monthly payment required for this card; you have two or more open credit card accounts with Capital Bank; or your account history on any current or previous relationship with Capital Bank is not in good standing.

Intro APR

N/A

Intro Period

N/A

Regular APR

24.64% variable

Annual Fee

$35

Balance Transfer

N/A

Credit Needed

First Progress Platinum Select MasterCard® Secured Credit Card

Apply Now!

CREDIT NEEDED

Fair Credit
Bad Credit

Get a First Progress Select Card and Earn 1% Cash Back Rewards!

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.

Intro APR

Intro Period

Regular APR

18.49%

Annual Fee

$39

Balance Transfer

Credit Needed

OpenSky® Plus Secured Visa® Credit Card

Apply Now!

CREDIT NEEDED

Fair Credit
Good Credit
Bad Credit
No Credit

You're pre-approved*

No annual fee – keep more money in your pocket!
No credit check required – 89% approval rate with zero credit risk to apply!
Earn up to 10% cash back on everyday purchases
Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
Track your progress with free access to your FICO® score in our mobile app
Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
Start with as little as $300 – Secure your line with a refundable security deposit
Fast and easy application—apply in minutes with our mobile-first experience
Flexible payment options—pick a due date that works for you
More time to fund—spread your security deposit over 60 days with layaway
Join 1.6 million+ cardholders who have used OpenSky® to build better credit!

Intro APR

N/A

Intro Period

N/A

Regular APR

28.99% variable

Annual Fee

None

Balance Transfer

N/A

Credit Needed

Credit Strong - Instal & Revolv

Apply Now!

CREDIT NEEDED

Fair Credit
Bad Credit
No 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

Upgrade Triple Cash Rewards Visa®

Apply Now!

CREDIT NEEDED

Fair Credit
Good Credit
Excellent Credit

$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

Welcome Bonus Disclosure:

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card off ers.

State Exclusions:

DC, GA, IA, MA, WV, WI

Upgrade Personal Loans

Apply Now!

CREDIT NEEDED

Fair Credit
Good Credit
Excellent Credit

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.

Credit Strong For Business

Apply Now!

CREDIT NEEDED

N/A

Credit Strong For Business

Multiple different product options with different loan amounts and terms to help you:

Build credit as cheaply as possible (Biz $2,500)
Build credit & savings simultaneously (Biz $5,000)
Build a large amount of credit (Biz $10,000)

Anyone is eligible, as long as we can verify your identity and business. Perfect for people with thin or no credit, since there is no credit check and no minimum credit score

Business requirements, the company must:

Have a registered EIN (Employer Identification Number issued by the IRS
Be at least 3 months old
Be a LLC, partnership, or Corporation
Be located in the United States and have a physical US address place of business

Individual requirements:

Own at least 25% of the business
Have no co-owner(s) that individually own 25% or more of the business
Be at least 18 years old and be a permanent US resident
Have a physical US residence
Have a valid SSN or ITIN
Have a valid identification document (Drivers license, State ID, Passport, Permanent Resident Card)

Impacts 90% of the factors used to calculate your credit score

Payment history (35%)
Amount of credit (30%)
Length/age of credit (15%)
Credit Mix (10%)
New Credit (10%)

We’ll report loan payments each month. Making on-time payments are a positive signal to credit bureaus and help your score.

All credit products are designed to give customers the ability (but not requirement) to demonstrate good financial behavior. The reverse is also true - Late payments are also reported!

The account is reported and will appear on a customer’s credit profile within 30-60 days after the first loan payment due date

The first payment is due 30 days from account opening date and due on the same day each month

How CreditStrong Business works:

A secured loan is issued to you, and deposited in a locked savings account in your name held at Austin Capital Bank, the 5* rated community bank that powers CreditStrong

These funds are secured, meaning they are not made available to you immediately

Each month, you make monthly payments towards the secured loan which pay down the loan balance

Each payment is split into 2 portions

Interest: Cost for keeping the account open, account maintenance, reporting, etc. Think of this as the money you pay CreditStrong to build your credit.
Principle: this goes towards the loan balance and principal payments will be available for withdrawal on completion of your loan. Think of this as money you pay to yourself each month for future use.

Each month, we report payment behavior to Equifax, PayNet, and SBFA. (remember:

make complete, on-time payments so we’re reporting GOOD credit behavior!)

We plan to expand commercial credit reporting to Experian and Dun & Bradstreet in the near future.

What happens when the loan is paid off?

Once the loan is paid off, the secured savings account is unlocked
The funds in the unlocked savings account can then be withdrawn
Once the account is paid off, it will be reported to credit bureaus as “Paid in full with a $0 balance” / ”Paid off”

Canceling:

You can choose to cancel early with no prepayment or early termination fees.
If you cancel early, the difference is unlocked, and the funds in your saving account (if any) can be accessed and transferred to your payment method on file with no fees or penalties
If you have already made the admin fee payment and 1 or more loan payment (It will be closed out and reported as “Paid in full with a $0 balance” / ”Paid off” (which is the same as if you were to pay it off fully – there is no difference in reporting))
If you have not made any payments or have made the admin fee payment but not a loan payment. It will not be reported and will not show on your credit report o If you have made more than 1 loan payment and want to cancel early. We use your secured savings to pay off the remaining loan balance

The BILL Divvy Card for businesses

Apply Now!

CREDIT NEEDED

N/A

A better way to get business credit

BILL Spend & Expense makes it easy to access the funding you need, no matter the size of your business. Apply for a credit line in seconds and start spending smarter.

No annual fees
Each employee gets a card that can be controlled by your admin
Set budgets to control spend
Automated decisions up to $100k¹
Multiple ways of underwriting
Scalable credit lines
Automated expense management
Rewards on vendor payments
Virtual cards

Rewards of a credit card with the efficiency of software

BILL Spend & Expense gives you all the rewards you’d expect from the best business credit lines with all the features of a best-in-class finance app: automated reimbursement, expense reports, and vendor payments, accounting integrations, an easy to use mobile app, and a whole lot more.

What is BILL?

BILL is a financial operations platform that gives you control over finances so you can confidently run your business. BILL’s integrated platform includes BILL Accounts Payable, BILL Accounts Receivable, and BILL Spend & Expense to help you automate AP, AR, spend, and expense management—all in one place.

¹Actual amount depends on applicant’s credit information and approval of application.

New!Upgrade - Premier Savings

Apply Now!

CREDIT NEEDED

N/A

Earn 4.14% APY, on $1,000 or more¹
No monthly account fees²
Up to $1 million in FDIC or NCUA insurance through Cross River Bank or Participating Institutions*

Disclaimers:

The Annual Percentage Yield (“APY”) for the Premier Savings account is variable and may change at any time. There is no minimum balance to open your account, but you will only earn the APY on days when the closing balance of your Premiere Savings account is or exceeds $1000. On days where the account closing balance drops below $1000, the APY will be 0%.
There are no monthly fees, overdraft fees or annual fees. Outbound domestic wire transfers are subject to a fee of $20 after your first fee-free transfer per calendar month.

*Deposits to Premier Savings are eligible for FDIC and/or NCUA deposit insurance up to $1 million or more through Cross River Bank, Member FDIC and Participating Institutions. Learn more about the Custodial Program and Participating Institutions . Cross River Bank may place some or all of the funds held in your savings account(s) into an account at one or more other Participating Institutions. Each Participating Institution is either (1) a FDIC-insured depository institution that only covers the failure of insured banks, or (2) a credit union that is eligible for insurance through the NCUA Share Insurance Fund if the credit union fails. Funds are insured up to $250,000 per ownership category and per institution. Certain conditions must be satisfied for FDIC deposit insurance coverage to apply to any funds held at a FDIC-insured depository institution. Upgrade is not a bank and is not FDIC insured. You are responsible for monitoring where your deposits are held (available in your Upgrade dashboard) to determine the extent of FDIC and/ or NCUA insurance coverage available to you.

Upgrade is a financial technology company, not a bank. Premier Savings accounts are provided by Cross River Bank, Member FDIC.

First Progress Platinum Prestige MasterCard® Secured Credit Card

Apply Now!

CREDIT NEEDED

Fair Credit
Bad Credit

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

Intro APR

Intro Period

Regular APR

14.49%

Annual Fee

$49

Balance Transfer

Credit Needed

Auto Financing and Refinancing

Apply Now!

CREDIT NEEDED

Fair Credit
Good Credit
Excellent Credit
Bad Credit

Auto Financing and Refinancing – Average Customer saves up to $2000 or more…

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…

Self Financial - Credit Builder Account

Apply Now!

CREDIT NEEDED

Fair Credit
Bad Credit
No Credit

Self offers Credit Builder Accounts.

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)

Sample loans: See self.inc/pricing $25/mo, 24 mos, 15.92% APR; $35/mo, 24 mos, 15.69% APR; $48/mo, 24 mos, 15.51% APR; $150/mo, 24 mos, 15.82% APR.

Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval.

Date: 11-2-24

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