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!

• 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.

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Deposit Options: Debit card funding. 

You're pre-approved*

• Start building credit with just $100 – secure you line with a low, refundable security deposit
• No credit check required – 89% approval rate with zero credit risk to apply!
• Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
• Earn up to 10% cash back on everyday purchases
• Affordable payments – minimum payment as low as $10
• 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
• 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!

Choose the First Latitude Assent Card and enjoy $0 Annual Fee!

• 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!
• Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
• Designed to push you forward on your credit building journey with $0 Annual Fee.
• Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion. ¹
• All credit types welcome to apply!
• Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
• ¹Cardholders 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

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!

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

Fair & fast personal loans - $1,000 - $75,000§ | 3 & 5 year terms‡

• A personal loan for your personal needs:  moving, home improvement, medical, credit card and debt consolidation, wedding loans
• Check your rate in 5 minutes
• Won't affect your credit score!††
• Next day funding- 99% of applicants get money just 1 business day after accepting their loans**
• 1 monthly payment- Simplify with 1 single monthly payment at a fixed rate
• No prepayment penalty - You may pay off part or all of the loan at any time with no fee

Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.

• Choose our First Latitude Elite Card for a lower annual APR!
• Apply now and fund your security deposit over 90 days with the option to make partial payments.
• Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
• No minimum credit score required for approval!
• Secure your credit line with a refundable security deposit - as low as $200 to get started!
• ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
• *See Important Disclosures for complete offer details

Deposit Options: Debit card funding.

Disclosure:

images.totalcardinc.com/documents/disclosures/FirstLatitude/Important_Disclosures_Elite.pdf

• $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
 

• 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 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.