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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New!OpenSky Launch Secured Visa® Credit Card
CREDIT NEEDED
Bad CreditNo Credit
You're pre-approved*
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
Easy application, apply in less than 5 minutes right from your mobile device
- No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
- Excellent option for a low fully refundable security deposit, get started with just $100
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Earn up to 10% cash back on everyday purchases
- Minimum payment as low as $10
- Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
- Monitor your credit progress with free access to your FICO Credit Score.
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- 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"
**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
--
Intro Period
--
Regular APR
28.99% variable
Annual Fee
--
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!Kovo Credit Builder
CREDIT NEEDED
Fair CreditBad Credit
No Credit
Give yourself the credit you deserve. Sign up to build your credit easily with small monthly payments. Instant approval, no credit check, and no hidden fees. Plus, earn up to 1% on featured loans! The ideal alternative to secured credit cards.
Incredible value:
- Your payment performance is reported monthly to TransUnion®, Equifax®, Experian®, and Innovis®.
- Earn up to $1,225 in rewards. That’s 5x more value than the cost of Kovo.
- Lower your monthly interest payments when you have a higher credit score.
- Better credit makes owning a car and home possible, with higher odds for approval.
- Get your FICO® Score and see your credit score journey progress every month.
How it works:
- Build with Installments: pay $10/month over 24 months.
- Learn with Courses: pick up useful skills.
- Earn with Rewards: up to 1% back on eligible loan offers.
Key features:
- Flat monthly rate
- Instant approval
- No credit check / no hard pull
- No bank account needed
- $0 security deposit
- $0 setup/admin fees
- $0 annual fees
- $0 late fees
- $0 prepayment fees
- 0% APR
Requirements:
- You must be at least 18 years of age
- You must have a valid U.S. Social Security Number
Available in all 50 states.
Credit Strong For Business
CREDIT NEEDED
N/ACredit 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
New!GreenLight® Debit Card & App For Kids
CREDIT NEEDED
No CreditTeach your kids how to learn manage money, set savings goals, and spend wisely!
- Greenlight celebrates smart money management by rewarding kids with up to 1% Cash Back and 2% on their Savings balances.*
- Send money to your kids — anytime, anywhere.
- Get real-time notifications any time the card is used.
- Create in-app chore lists and tie the work to perks.
- Allowance on autopilot. Weekly or monthly, you can set it and forget it.
- Personalize your kids’ debit cards. Selfies rule.
Frequently Asked Questions (more on website)
Is there a minimum age? We support kids and grownups of all ages. No minimum (or maximum) age here.
How much does it cost? Greenlight plans start at $4.99 per month and include debit cards for up to five (5) kids. Your first month is on us, and you can cancel at any time. See our Plans page for more.
What do I need to sign up?
- Your email address
- Your mobile phone number
- Your child’s/children’s name(s)
- Your legal first and last name
- Your physical address
- Your date of birth
- A valid debit card or bank account
- Your Social Security number (SSN). For information on why we ask for your SSN, learn more about the U.S. Patriot Act.
Where is the card accepted? The Greenlight card can be used almost anywhere Mastercard is accepted, online and in-store. “Almost,” because our cardholders are kids, and we’ve put important guardrails in place. Greenlight also works internationally in 150+ other countries, with no foreign transaction fees. No need to let us know if you travel abroad — you’ll have enough to remember.
Is Greenlight safe? Greenlight blocks ‘unsafe’ spending categories, sends real-time transaction notifications and gives parents flexible ATM and other spending controls. We also provide additional layers of protection to our families in the form of face or fingerprint recognition and the ability to turn your card on or off directly in the app. Greenlight debit cards are FDIC-insured up to $250,000, and come with Mastercard’s Zero Liability Protection.
*see all terms and conditions (click apply now to view)
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…
New!Caribou Auto Refinancing (Name Change From MotoRefi)
CREDIT NEEDED
Fair CreditRefinance your car loan and Save Big! Put money back in your pocket!
- Rates as low as 5.48% APR
- Pre-qualify in seconds - Pre-qualify on our secure, fully online platform—without leaving the couch or giving your SSN
- Put cash back into your wallet. Our customers save an average of $113.78/month on their car payments*
- No impact to your credit to review pre-qualified offers
- Minimum Loan amount: $7500
- Loan term: 12-84 months
How Caribou works
Check your rate - Get pre-qualified offers in seconds with no Social Security number required and no impact on your credit.
Select your offer - Pick the refinance that works best for you, with offers from our top lenders.
Refi and save big - Simply submit a few documents and sit back as our team does the heavy lifting to refinance your loan.
Typical Requirements:
- Desired credt score: 650+
- Minimum annual income $24K
- No SSN required*
- Other requirements may apply
*Not available for motorcycles or commercial vehicles
*See all terms and conditions on the application page.
*1This information is estimated based on consumers who were approved for an auto refinance loan through Caribou between 6/1/2022 and 3/1/2023, had an existing auto loan on their credit report, and accepted their final terms. These borrowers saved an average of $113.78 per month. Refinance savings may result from a lower interest rate, longer
term, or both. There is no guarantee of savings. Your actual savings, if any, may vary based on interest rates, the repayment term, the amount financed, and other factors.
*To check the refinance rates and terms you qualify for, we conduct a soft credit pull that will not affect your credit score. However, if you choose a loan product and continue your application, we or one of our lending partners will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
*Social security number is required should you choose to move forward in the loan application process. *Terms and Conditions apply. Caribou reserves the right to modify or discontinue products and benefits at any time without notice. Participating lenders, rates and terms are also subject to change at any time without notice. The information you
provide to us is an inquiry to determine whether our lenders can make you a loan offer. If any of our lending partners has an available loan offer for you, you will be invited to submit a loan application to the lender for its review. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers. We do not guarantee that you will
receive any loan offers or that your loan application will be approved. If approved, your actual rate will depend on a variety of factors, including term of loan, a responsible financial history, income and other factors.
Offers not available in MA, MD, MS, NE, NV, WI, WV
APR is the Annual Percentage Rate. Your actual APR may be different. Your APR is based on multiple factors including your credit profile and the loan to value of the vehicle. APR ranges from 5.48% to 28.55% and is determined at the time of application. Lowest APR is available up to a 36 month term, to borrowers with excellent credit, and only in Texas. Conditions apply. Advertised rates and fees are valid as of 5/15/2023 and are subject to change without notice. Insurance savings will not result from lower APR.
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
FIT™ Platinum Mastercard®
CREDIT NEEDED
Fair CreditBad Credit
- $400 Initial Credit Limit
- Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card that requires No Security Deposit
- With responsible card use, you may be able to rebuild or improve your credit
- 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)
Nav Prime Card
CREDIT NEEDED
N/AAccess the Nav Prime Card as part of Nav Prime — the only solution that lets you track your credit progress while simultaneously building your business credit.
Nav Prime gives you up to two tradelines, detailed credit health data, business banking, and access to the Nav Prime Card — the only business credit-building charge card with no credit check, no personal guarantee, and no security deposit required. Access Nav Prime’s benefits without any big bank barriers².
- Access the Nav Prime Card¹ as part of Nav Prime — trusted by 250,000+ for building business credit history and managing credit health.
- Build business credit from your everyday purchases with the Nav Prime Card — no time in business, credit, or annual revenue minimums.
- Get up to two tradelines from Nav Prime membership payments ($49.99/mo) and Nav Prime Card use for business credit-building.
- Nav is the only place you can see both business and personal credit data lenders see for confident decision-making.
- Access Nav Business Checking to manage money with no domestic fees or minimum balance.
- Nav Prime customers are nearly 2X more likely to get approved for lending through Nav. ¹
Disclosures:
¹Compared to customers without Nav Prime who were approved for lending through Nav. All offers are subject to lender underwriting and approval, which does not include status as a Nav Prime customer. Individual results will vary.
²There are no requirements to get Nav Prime. To get the Nav Prime Card, you are required to be an active Nav Prime member, have an approved Nav Business Checking application, and a successfully linked bank account to use as repayment for your Nav Prime Card balance. The Nav Prime Card is currently not available in ND, SD, NV, and CA.
Nav Technologies, Inc. is a financial technology company and is not a bank. Banking services are provided by Blue Ridge Bank and Thread Bank, N.A; Members FDIC. The Nav Business Checking account is offered by Blue Ridge Bank N.A., Member FDIC. The Nav Prime Visa® charge card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa charge cards are accepted.
New!Acorns Savings & Investment App
CREDIT NEEDED
N/AAcorns is the saving and investing app and is how you save and invest for your future.
INVEST
- Sign up in under 3 minutes!
- No expertise needed: we’ll recommend a portfolio for your needs
- Start investing in your future with spare change from everyday purchases or as little as $5. Get investing, retirement, checking, investing for families, rewards, financial education and more—in one, easy app
- Get Acorns Later, our easy retirement account, in under 2 minutes. We'll recommend the right plan to you (Roth, SEP, Traditional)
SPEND
- Real time Round-Ups, so you can invest while you spend and give your spare change more time in the market
EARLY
- In under 3 minutes, open an easy investment account for kids, and unlock our financial wellness system.
- Get Acorns Early and invest for the kids you love. Early is a UTMA/UGMA account, so its more flexible than a 529/traditional college savings account
- Grow your knowledge together, with financial literacy content for families, powered by Acorns and CNBC
- Set it and forget it with easy Recurring Investments, starting at $5 a day, week, or month
EARN
- Earn more money when you shop from 350+ top brands that invest in you.
*See all terms and conditions.
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