• Loan Amounts: $1,000-$50,000
• Annual Percentage Rates (APRs): 11.69%-35.93%
• Fixed rates and payments with a clear pay off date.
• Flexible loan options: explore multiple options and pick the loan amount and term that best fits your budget and timeline.
• Fast Funding. Money is sent to your bank account within a day of clearing any verifications. *
• Automatic payments and ability to customize the due date: manage your account online or via the mobile app
• No prepayment penalties.
• Access to free credit score monitoring, educational tools, and personalized recommendations to help you understand and make the most ofyour credit.

Credit Level: Fair Credit | Good Credit | Excellent Credit

Disclosures:

Personal loans made through Universal Credit feature Annual Percentage Rates (APRs) of 11.69%-35.93%. All personal loans have a 5.25% to 8.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 36 to 60 months. For example, if you receive a $10,000 loan with a 36-month term and a 28.47% APR (which includes a 22.99% yearly interest rate and a 7% one-time origination fee), you would receive $9,300 in your account and would have a required monthly payment of $387.05. Over the life of the loan, your payments would total $13,933.62. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Universal Credit's bank partners. Information on Universal Credit's bank partners can be found at https://www.universal-credit.com/bank-partners/

Fast Funding Disclosure:

*Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

State Exclusions:

Loans are not currently available to residents of DC.

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:

1. Build with Installments: pay $10/month over 24 months.
2. Learn with Courses: pick up useful skills.
3. 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

Credit Level: Fair Credit | Bad Credit | No Credit

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.

• Choose your own credit line based on how much money you want to put down as a security deposit.
• Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
• After 9 months, we review your account for a credit line increase. No additional deposit required!
• Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
• Unlike a debit card or a pre-paid card, it helps build your credit history. As you pay your bill every month, we report to all three major credit-reporting agencies.
• Get your FICO® Credit Score for free each month.
• Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
• Card issued by Merrick Bank, Member FDIC.
• Wisconsin Residents:  This offer is NOT valid for residents of Wisconsin

Intro APR

n/a

Intro Period

n/a

Regular APR

22.70% Variable

Annual Fee

$36 the first year, billed $3 per month thereafter

Balance Transfer

n/a

Credit Level: N/A

• Choose your own credit line based on how much money you want to put down as a security deposit.
• Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
• After 9 months, we review your account for a credit line increase. No additional deposit required!
• Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
• Unlike a debit card or a pre-paid card, it helps build your credit history. As you pay your bill every month, we report to all three major credit-reporting agencies.
• Get your FICO® Credit Score for free each month.
• Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
• Card issued by Merrick Bank, Member FDIC.
• Wisconsin Residents:  This offer is NOT valid for residents of Wisconsin

Intro APR

n/a

Intro Period

n/a

Regular APR

22.70% Variable

Annual Fee

$36 the first year, billed $3 per month thereafter

Balance Transfer

n/a

Credit Level : Fair Credit | Bad Credit

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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

Credit Level: Fair Credit | Bad Credit | No Credit

Live the Debt-Free Life You Deserve

Solutions: Debt Consolidation Loans, Debt Settlement, Student Loan Refinancing.

• Compare debt relief options and choose the best one with confidence
• Request a free quote from one of our top-rated partners
• Lower your monthly payment
• Reduce your interest rates
• Pay off high-interest credit card debt faster
• Be debt-free in as little as 12 months

Type of Debt:

• Credit Card Debt
• Medical Debt
• Student Loan Debt

Take control of your debt and get on the path to financial freedom

Credit Level: N/A

• No Credit History or Minimum Credit Score Required for Approval
• Quick and Complete Online Application; No Credit Inquiry Required!
• Get a fresh start!  A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
• Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
• Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
• 24/7 Online Access to Your Account: Try our new Mobile App for Android users!
• Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
• Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
• Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
• Receive Your Card More Quickly with New Expedited Processing Option
• Availalbe Nationwide
• APR for purchases: 15.24%
• Annual Fee = $49
• *See all terms and conditions

Credit Level: Fair Credit | Bad Credit

Deposit Options: bank or postal checks, money orders, electronic bill pay initiated from cardholder's bank 

Teach 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)

Credit Level: N/A

Refinance your car loan and Save Big! Put money back in your pocket!

• Rates as low as 5.69% 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 5.69% 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.

Credit Level:

Credit Level: Fair Credit

• A new way to build credit.  Build credit while you save (minus fees and interest)
• Self Financial helps you get a small loan that you save in a CD for 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: $25/mo, 24 mos, $9 admin fee, 15.92% APR; $35/mo, 24 mos, $9 admin fee, 15.97% APR; $48/mo, 24 mos, $9 admin fee, 15.72% APR; $150/mo, 24 mos, $9 admin fee, 15.88% APR. See self.inc/pricing

Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A. each Member FDIC. Subject to credit approval. 

Credit Level: Fair Credit | Bad Credit | No Credit

• Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
• Reporting monthly to all three major credit reporting agencies
• Perfect credit not required for approval; we may approve you when others won’t
• Easy and secure online application; Checking account required
• $300 Credit Line (subject to available credit)
• Receive your card more quickly with optional Expedited Processing (additional fee applies)
• Get a result in as little as 60 seconds upon completion of the online application
• Online Customer Center available 24 x 7
• Issued by The Bank of Missouri, Member:  FDIC
• This program is not currently available in New York or Wisconsin.

Credit Level: Bad Credit

Complete our easy application and your results will be ready immediately. If approved you will have instant access to your $750 merchandise credit line along with other benefits.

• $750 Merchandise Credit Line
• Start Shopping Right Away!
• Bad Credit, No Credit? No Problem!
• No Employment or Credit Check
• Fast and Easy Application

Credit Level: Fair Credit | Bad Credit | No Credit