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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

24.39% 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.

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Deposit Options: Debit card funding.

Intro APR

Intro Period

Regular APR

17.74%

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

28.74% 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

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

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.

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Intro APR

Intro Period

Regular APR

13.74%

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.

Qualification for the secured Self VisaÂ® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.

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.

Rental Reporters

Apply Now!

CREDIT NEEDED

Bad Credit
No Credit

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

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.
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.
Rent reporting to credit bureaus: Equifax and Transunion.
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?

The one-time enrollment fee of $94.95 pays for landlord verification and reporting up to 2 years of rental payment history to the credit bureaus. The monthly subscription fee of $9.95 enables us to automatically verify and report your ongoing rent payments. As with any credit report tradeline, the more months of data, the greater the impact can be on your score.

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