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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
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
Combine the flexibility of a credit card with the predictability of a personal loan
No touch payments with contactless technology built in
See if you qualify in minutes without hurting your credit score
Great for large purchases with predictable payments you can budget for
Mobile app to access your account anytime
Regular Purchase APR: 14.99% -29.99%
No annual fee
State Exclusions: Not Available in DC, IA, WV, WI
Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. 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. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
Upgrade Triple Cash Back Rewards Details
Purchases in Home, Auto, and Health categories accrue 3% cash back when you pay them back; all other purchases accrue 1% with no maximum. Your accrued cash back will generally be applied to your balance after your next scheduled monthly payment. If you do not have a balance and for as long as your card account is open, you may elect to have cash back applied as a deposit into your bank account on file. Cash back rewards are redeemed once applied. Cash back rewards applied to your balance will not otherwise reduce the amount of your regular monthly payments. Eligibility for cash back based on categories is determined by the merchant category code (MCC), which is assigned to merchants based on the kinds of products and services they primarily sell. Get more information on applicable merchant categories. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc. Rewards are a gratuity and not your property until redeemed. Balance transfers and payments on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Some limitations apply. Please refer to your Cardholder Agreement for more information.
Credit Lines opened through Upgrade feature Annual Percentage Rates (APRs) of 14.99% - 29.99% and line amounts ranging $500 - $25,000. Optional ACH transfers to your bank account, balance transfers, and foreign transactions are subject to fees that, if incurred, will increase your finance charge and APR. The lowest rates require Autopay and the majority of the line amounts will be $15,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. The APR on your transaction may be higher or lower. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors. The Upgrade Card is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to the approved line amount. As you repay your balance, additional credit may become available to you up to the approved line amount subject to meeting our credit requirements, but your line will not replenish automatically.
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 8.49%-35.97%. 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.
State Exclusions:
Loans are not currently available to residents of DC.
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
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.
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Give yourself the credit you deserve. Sign up to build your credit easily with small monthly payments. Instant approval, no credit check, and no hidden fees. Plus, earn up to 1% on featured loans! The ideal alternative to secured credit cards.
Incredible value:
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:
Build with Installments: pay $10/month over 24 months.
Learn with Courses: pick up useful skills.
Earn with Rewards: up to 1% back on eligible loan offers.
Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A. each Member FDIC. Subject to credit approval.
Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
Reporting monthly to all three major credit reporting agencies
Perfect credit not required for approval; we may approve you when others won’t
Easy and secure online application; Checking account required
$300 Credit Line (subject to available credit)
Receive your card more quickly with optional Expedited Processing (additional fee applies)
Get a result in as little as 60 seconds upon completion of the online application
Online Customer Center available 24 x 7
Issued by The Bank of Missouri, Member: FDIC
This program is not currently available in New York or Wisconsin.
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Complete our easy application and your results will be ready immediately. If approved you will have instant access to your $750 merchandise credit line along with other benefits.
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.
Pay Your rent as you have been, and your ontime rent payments are now reported to selected credit bureaus to help boost your credit profile and increase that credit score.
Report the past two years of rent payments for a possible boost to your credit score!
Pricing: $6.95 Monthly (Keeps Trade Line Open) - $48 One time set up fee - Optional: $65 Historic Reporting
Join our rent reporting program and gain an immediate boost to your credit score with major credit bureaus. It's quick and easy!
We recommend reporting both your historical data along with ongoing rent payments. A seasoned and open trade line provides the biggest boost possible to your credit score.