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OpenSky® Secured Visa ® Credit Card
CREDIT NEEDED
Bad CreditNo Credit
- New feature! Earn up to 10% cash back on everyday purchases
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Intro APR
N/A
Intro Period
N/A
Regular APR
24.64% variable
Annual Fee
$35
Balance Transfer
N/A
Credit Needed
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First Progress Platinum Select MasterCard® Secured Credit Card
CREDIT NEEDED
Fair CreditBad 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.
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
CREDIT NEEDED
Fair CreditGood Credit
Bad Credit
No Credit
- New feature! Earn up to 10% cash back on everyday purchases
- No annual fee
- No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Monitor your credit progress with free access to your FICO Credit Score.
- Reports to all 3 major credit bureaus monthly to establish and build credit history.
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Secure your credit line with a refundable security deposit - as low as $300.
- Easy application, apply in less than 5 minutes right from your mobile device
- Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- Now you can make smaller partial payments towards funding your security deposit over 60 days
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their 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
CREDIT NEEDED
Fair CreditBad 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
Surge® Platinum Mastercard®
CREDIT NEEDED
Bad Credit- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
- With responsible card use, you may be able to rebuild or improve your credit
- Unsecured credit card that requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
New!Upstart Personal Loans
CREDIT NEEDED
Good CreditFair & fast personal loans - $1,000 - $50,000§ | 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
†† When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information may be reported to the credit bureaus.
§ Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state.
‡ The full range of available rates varies by state. The average 5-year loan offered across all lenders using the Upstart platform will have an APR of 26.48% and 60 monthly payments of $26.73 per $1,000 borrowed. For example, the total cost of a $10,000 loan would be $16,038 including a $752 origination fee. APR is calculated based on 5-year rates offered in December 2022. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
** If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. Loans used to fund education related expenses are subject to a 3 business day wait period between loan acceptance and funding in accordance with federal law.
New!Upgrade - Premier Savings
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
CREDIT NEEDED
Fair CreditBad 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.
Intro APR
--
Intro Period
--
Regular APR
14.49%
Annual Fee
$49
Balance Transfer
--
Credit Needed
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Auto Financing and Refinancing
CREDIT NEEDED
Fair CreditGood 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
CREDIT NEEDED
Fair CreditBad 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
Rental Reporters
CREDIT NEEDED
Bad CreditNo 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.
