credit-building

Tilt is a consumer fintech mobile app for building and rebuilding credit. It offers cash advances of up to $400, a line of credit with potential limit increases, and three credit cards (Essentials, Motion, and Engage), evaluating applicants from real-time bank-linked financial data rather than credit history alone.

Kikoff is a San Francisco-based consumer fintech, founded in 2019, that helps people build and repair credit. Its products include a Credit Account that furnishes tradelines to all three bureaus (Equifax, Experian, TransUnion), rent and bill reporting, credit monitoring and disputes, an AI Debt Negotiator, the Fynn AI credit coach, and an…

Step is an all-in-one mobile banking platform built for teens, young adults, and families. The Step Visa Card is a secured card that builds credit history reported to Experian, Equifax, and TransUnion, and teens can begin building credit before they turn 18 through parent-managed accounts.

Self (Self Financial, Inc.) is a fintech platform that helps people build credit, savings, and access to cash through a small set of consumer financial products. Its Credit Builder Account pairs a small installment loan with a locked savings deposit and reports on-time payments to all three major credit bureaus; the Self Secured Credit Card…

Esusu is a financial technology company that turns rent payments into credit history. Founded in 2018 by Abbey Wemimo and Samir Goel and headquartered in New York City, Esusu reports on-time rental payments to the three major credit bureaus (Equifax, TransUnion, and Experian) so renters can build and improve their credit scores.

TomoCredit is a consumer fintech that helps people build credit without requiring a credit score or prior credit history. Its flagship products are the Tomo Card, a credit-building card marketed as an all-new black card, and TomoBoost, an AI-powered credit-building tool.

SeedFi was a U.S. consumer fintech that offered credit-building loans and savings products (its "Credit Builder Prime" and "Borrow & Grow" plans) aimed at helping financially underserved borrowers build credit history and cash savings simultaneously.

Brigit is a consumer financial technology company whose mobile app helps people manage everyday money with instant cash advances of up to $500 with no credit check, interest, or late fees, a Credit Builder account, and a Finance Helper for budgeting, spending analysis, bill tracking, and overdraft prediction.

Upward Financial (Upwardli) is a Techstars-backed embedded-finance platform that lets banks, fintechs, and gig platforms launch credit products for their customers without building the stack themselves.

Current (Finco Services, Inc.) is a New York City-based U.S. financial technology company operating a mobile-first consumer banking platform serving over six million members. Through partner banks Choice Financial Group and Cross River Bank it offers fee-free spending accounts with early direct deposit (up to two days early), fee-free overdraft…

Jetty is a financial-services company built for the real estate industry, making renting more accessible and affordable for renters while helping property managers reduce risk and bad debt.

Arro is a consumer fintech company that helps people build or rebuild credit without traditional barriers. Its flagship product is the Arro Card, a Mastercard with no deposit and no hard credit check that starts at up to $300 and grows to $2,500, issued by Community Federal Savings Bank (member FDIC).

Ava is a consumer financial-technology company that helps people build credit and reduce the cost of debt. Its products include the Ava Credit Builder Mastercard (a no-interest card usable at approved subscription merchants), a Save & Build secured savings loan, and rent and utility payment reporting to the three major U.S.

Oolka is a Bangalore-based consumer fintech that helps people in India check, monitor, and improve their credit scores. Its mobile app provides free bureau-integrated credit-score checks (Experian), a Credit Builder for users with no prior credit history, EMI and bill payments with cashback via Bharat Bill Pay (the RBI-NPCI initiative), AI-guided…

Possible Finance is a consumer fintech company offering small-dollar installment loans and credit-building products through a mobile app. Its core products are the Possible Loan (up to $500 with flexible repayment schedules), the Possible Advance (up to $300 drawn against a future paycheck), and Bill & Rent Reporting that builds credit history by…

Brightmoney — Bright Money (Bright) is a San Francisco-based financial technology company that describes itself as the world's first AI Loan Assistant. Its consumer mobile app helps people pay off credit-card debt faster, build credit history, and access affordable credit through products including Bright Builder (a secured 0% APR credit line…

Perpay is a buy-now-pay-later and credit-building platform that lets consumers shop and pay via automatic payroll deductions. Its internal REST platform supports marketplace checkout, installment plan creation, payroll direct-deposit switching (via Pinwheel), identity and income verification, and credit-bureau reporting to Experian, TransUnion…

Wollit is a UK-based credit-health subscription service (£9.99/month) that helps consumers build and strengthen their credit profile. Authorised and regulated by the Financial Conduct Authority for credit-broking activities, Wollit reports rent and subscription payments to Experian, Equifax and TransUnion, and bundles a suite of consumer tools…

Chime is a neobank and fintech platform offering fee-free checking and savings accounts, early paycheck access, credit building, and peer-to-peer payment features for consumer banking.