Our goal is to make building better credit as accessible as possible so we've kept requirements* simple:

✅ Be at least 18 years old

✅ Have an SSN or ITIN

✅ Live in the United States (We currently cannot support P.O. Boxes)

✅ Have a checking account at one of our 10,000+ supported U.S. or Canadian banks

✅ Have an iOS device OR an Android device running version 10 or later

❌ No minimum credit score! We don't check your credit so you don't have to worry about negatively affecting your score by applying.

*In the event we cannot verify your identity, we may ask you to provide additional details. Loans may be offered by Lead Bank, please see terms for details.