Getting started is simple. No credit check. No paperwork.
To apply, you'll need:
An active bank account — used to set your Spend Power based on your balance and past activity.
A valid government-issued ID — required to verify your identity and open your Atlas account.
No need for:
Income verification
Credit history
Paystubs
Complicated paperwork
Need help applying? Contact support—we’re here to help.
FAQs
Q: Is there a credit check to apply?
A: No—Atlas does not run a hard credit check.
Q: Can I apply without income?
A: Yes—as long as you link a bank account, we’ll review your activity and set a limit.
Q: What banks can I link?
A: Most U.S. banks are supported through Plaid. If your bank isn’t listed, check out our help article on