Work toward a savings goal while building your credit history.
Choose your savings goal, your timeline, and your payment frequency.
When you reach your savings goal we will send you the funds, and in the meantime we report your payments toward that goal to all three credit bureaus.
⏱️ Choose
Your Frequency
(how often you pay)
Every Friday
or Every two Fridays
💸 Choose
Your Savings Goal
(how much you save)
$1,500,
$1,000,
or $500
→
🗓️ Choose
Your Timeline
(by when)
5 months
or 10 months
→
After approval …
🏦 Make Your Payments
Work toward your savings goal and benefit from credit reporting
→
💰 Receive Your Funds
Receive your paid funds at the end – or part early if something comes up
If you need to stop before the timeline is up, we will send you whatever you have paid in minus the interest cost covering program administration and operation.
No hard credit check – we will perform a “soft check” to monitor improvements to your score.
Depending on the exact number of days before your first payment and whether you select 5 or 10 month terms, APR will vary between 11.07% and 15.32%.
Examples
$500 over 5 months will cost $15 on top of the $500 savings goal. (13.94% - 15.32% APR)
$1,500 over 10 months will cost $75 on top of the $1,500 savings goal. (11.51% - 12.08% APR)