OpenSky® Secured Visa® Credit Card

OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years.

• No credit check to apply and find out instantly if you are approved.


• Easy application, apply in less than 5 minutes right from your mobile device


• Get considered for a credit line increase after 6 months, with no additional deposit required


• You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months


• Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card


• Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months


• Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit


• Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule


• Enjoy protection from unauthorized purchases with $0 fraud liability


• * View the cardholder agreement

Credit Needed

Bad Credit

No Credit

The First Progress Platinum Elite MasterCard® Secured Credit Card

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

• 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


• Build Credit Faster with 6 reporting cycles per month. (You will be assigned the fastest of 6 reporting cycles a month)


• With our rapid reporting cycle-assignment process for new accounts, most new accounts receive the next available statement cycle date and are reported to the credit bureaus between 2 - 10 days after the complete application is approved and the total refundable deposit received. Your Annual Fee will be billed and reported to the bureaus as a performing balance in the first complete statement billing cycle to speed the reporting of credit activity.


• 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


• Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.


• APR for purchases = 19.99%


• Annual Fee = $29


Credit Needed

Fair Credit

Bad Credit

Sable ONE Secured Card

• Build US credit history from day 1 at the 3 major credit bureaus


• Build US credit history FAST. Sable offers enhanced reporting on more data points than any other card so you can build your credit faster.


• Up to $10,000 credit limit


• Auto-review to unsecured card in as FAST as 4 months, 3X faster than anywhere else with Sable’s graduation promise.


• No credit check or US credit history required


• No annual fee, no minimum security deposit


• No SSN required for non US citizens


• NEW! Get a dollar-for-dollar match on all cash back at the end of your first year with Sable’s Double Cash Bonus.


• Earn 2% cash back on everyday purchases at Amazon, Uber, Uber Eats, Whole Foods, Netflix, Spotify, and more!


• Plus, earn 1% cash back on all other purchases.


• Premium benefits like coverage in the event your covered cell phone is stolen or damaged (including cracked screens!), rental car insurance, and much more!


• Please see https://sablecard.com/tcs for terms and conditions.


Credit Needed

Fair Credit

BadCredit

No Credit

Merrick Bank Double Your Line™ Platinum Visa® Unsecured Card

• Credit lines range from $500-$1,350 which double to $1,000-$2,700 after your account qualifies. No security deposit required.


• Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.


• See if you are pre-approved within minutes, without affecting your credit score.


• Build or rebuild your credit. As you pay your bill every month, we report to all three major credit reporting agencies.


• Get 100% U.S.-based customer service & 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.


Credit Needed

Good Credit

Fair Credit

Bad Credit

Reflex Mastercard

Double Your Credit Limit with Reflex! See if you pre-qualify

• Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)


• See if you’re Pre-Qualified with no impact to your credit score


• All credit types welcome to apply


• Free access to your Vantage 3.0 score from Experian (When you sign up for e-statements)


• Initial Credit Limit of $300 – $1,000 (subject to available credit)


• Monthly reporting to the three major credit bureaus


• Fast and easy application process; results in seconds


• Use your card at locations everywhere Mastercard® is accepted


• Checking Account Required


• *see all terms and conditions


This offer is NOT available in the following states: MA, CO, WV, IL


Credit Needed

Excellent Credit

GoodCredit

Fair Credit

Bad Credit

First Progress Platinum Select MasterCard® Secured Credit Card

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

• 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


• Build Credit Faster with 6 reporting cycles per month. (You will be assigned the fastest of 6 reporting cycles a month)


• With our rapid reporting cycle-assignment process for new accounts, most new accounts receive the next available statement cycle date and are reported to the credit bureaus between 2 - 10 days after the complete application is approved and the total refundable deposit received. Your Annual Fee will be billed and reported to the bureaus as a performing balance in the first complete statement billing cycle to speed the reporting of credit activity.


• 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


• Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.


• APR for purchases = 13.99%


• Annual Fee = $39


Credit Needed

Fair Credit

Bad Credit

Credit Strong For Business

A Credit Strong Business credit-builder account is the combination of a cash-secured commercial installment loan and a commercial savings bank account. At origination, the funds from the loan are deposited into the savings account as collateral for the loan, and a lock is placed on the savings account for the life of the loan. The loan and payment activity for the loan is reported to commercial credit bureaus, building the credit profile for your business.

With a Credit Strong business credit builder account, you can quickly and easily build $10,000 of installment loan payment history.

• Build credit for your business using your EIN, instead of your SSN.


• We report to most commercial credit bureaus


• Low payments and effective credit builder.


• It is the only product out in the market with a Financial Tradeline available for small businesses


Credit Strong offers two business credit builder accounts with affordable monthly payments.

• Building up to 120 months of payment history for just $115 month


• Or Building up to 60 months of payment history for just $199 per month


All Small- Medium businesses that can benefit from lending, building relationships with vendors/governmental vendors, getting SBA loans, and vendor tradelines

Businesses like - mechanics, agencies (advertisers, social media, personal coaching etc.), landscape, bakery shops, small restaurants, car services, transportation services, home care, daycare, cleaning services, and more!


To open a Credit Strong Business credit builder account:

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 U.S. address place of business


Individual Requirements. You must:

• 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 U.S. resident


• have a physical U.S residence (Address)


• have a valid social security number (SSN) or individual taxpayer identification number (ITIN)


• have a valid Identification document (Driver license, State ID, Passport or Permanent Resident Card- aka “Green Card”)


*Credit Strong Business credit builder accounts are currently not available in Florida.


MORE FAQ

If my company applies for a Credit Strong Business credit builder account and is denied, will it hurt my personal or business credit score? No. We do not perform a hard credit inquiry on you or your company, so there is no negative impact on your personal or business credit.


What credit bureaus do you report to for a Credit Strong Business account? Currently Credit Strong credit builder accounts are reported to Equifax and PayNet. We plan to expand commercial credit reporting to Experian and SBFE in the near future.

Credit Needed

Fair Credit

Bad Credit

First Progress Platinum Prestige MasterCard® Secured Credit Card

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

• 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


• Build Credit Faster with 6 reporting cycles per month. (You will be assigned the fastest of 6 reporting cycles a month)


• With our rapid reporting cycle-assignment process for new accounts, most new accounts receive the next available statement cycle date and are reported to the credit bureaus between 2 - 10 days after the complete application is approved and the total refundable deposit received. Your Annual Fee will be billed and reported to the bureaus as a performing balance in the first complete statement billing cycle to speed the reporting of credit activity.


• 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


• Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.


• APR for purchases: 9.99%


• Annual Fee = $49


Credit Needed

Fair Credit

Bad Credit

GreenLight® Debit Card & App For Kids

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, send 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 Needed

No Credit

Caribou Auto Refinancing (Name Change From MotoRefi)

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

• 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 $101.02/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:

• Minimum credit score: 580


• Minimum annual income $24K


• No SSN required


• Other requirements may apply


*Not available for motorcycles or commercial vehicles

*Caribou does not provide loans in the following states: PA,MD,VT,ND,ME,WI

*See all terms and conditions on the application page.


Credit Needed

Fair Credit

Auto Financing and Refinancing

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…


Credit Needed

Excellent Credit

Good Credit

Fair Credit

Bad Credit

First Access Card (Unsecured Card)

• 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 Needed

Bad Credit

Assent Platinum MasterCard® Secured Credit Card

• APR for purchases: 0% Introductory APR for the first six months your account is open, afterward regular APR.


• Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History


• Quick and Complete Online Application; No Credit Inquiry Required!


• No Credit History or Minimum Credit Score Required for Approval


• Quick and Complete Online Application


• Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!


• Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application


• Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.


• Annual fee of $49


Credit Needed

Fair Credit

No Credit

Cash USA Loans

Secure A Personal Loan - Get the support you need

Whether you need to consolidate debt, remodel your home, or take a vacation, a personal loan may be a viable option. CashUSA.com can help you secure a loan of up to $10,000 in just four easy steps:

The Application Process:

• Our online form only takes minutes to complete


• If connected to a lender, review the offer presented


• If you accept the offer, you may need to provide additional information to the lender


• If finalized, receive funds in your account as soon as the next business day


• Industry standard encryption & security measures to protect your personal information


After you submit your loan request, we search our network for lenders for an available loan option.

Eligibility Requirements:

The requirements that a prospective borrower must meet to be able to request a personal loan are simple and few in number. They include the following:

• Be at least 18 years old


• Be a U.S. citizen or permanent resident


• Earn a steady monthly income of at least $1,000 after taxes


• Have a checking account in your name


• Be able to provide work and home phone numbers, as well as a valid email address


• Please note that meeting these requirements does not mean that you will be connected with a lender


FAQ

We do not charge any fee or cost to submit a loan request on CashUSA.com. The APR on a personal loan from our network of lenders varies, with many lenders offering rates of 5.99% to 35.99% and loan durations between 90 days to 72 months, although the terms of your specific loan may differ depending on your qualification.


Representative Example: If you borrow $1500 over a term of 2 years with a representative APR of 7.9%, you will have 24 monthly payments of $67.77, for a total amount payable of $1626.54


If you are approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your formally accepting their offer. CashUSA.com is not a lender and cannot predict the exact fees and interest that will be attached to the loan offer presented to you. You are not under any obligation whatsoever to accept the terms that the lender presents to you

Credit Needed

Bad Credit

Fair Credit

Good Credit

Excellent Credit

Bad Credit Loans

• Do you have bad credit? We're here to Help! Helping people with bad credit since 1998


• Every day, we help people like you secure loans regardless of your credit rating. We’re here to help you find solutions to your financial needs.


• Free To Try. There is no cost to request a loan on our site.


• Responsible Lending. We are committed to educating our customers.


• Privacy and Security. We protect your information with advanced encryption technology


• See all terms and conditions.


We know that it’s the people who are struggling that really need the personal loans, not those with the spotless credit histories who are paying all their bills on time. A perfect spending history simply isn’t possible for many American households, especially in times like these. No matter how well you’ve planned your budget and spending strategies, they can still be thrown off by one unexpected car repair or other emergency when already living paycheck to paycheck.

Simple Qualifications

Submitting a request for bad credit loans is very straightforward. We require that you’re a legal citizen and an adult (age 18 or older). You’ll need to provide some other basic information for the transaction to take place, such as a valid email address, working phone number, and the bank account where you’d like the money transferred. Please note that meeting these requirements does not mean that you will be connected with a lender.

Combining a fast online form and loan process with an equally fast delivery system makes requesting a bad credit loan uncomplicated.

Bad Credit Loans isn’t a lender and doesn’t provide unsecured loans, but it refers consumers to lenders and financial service providers who may provide such loans. A personal loan from a lender or financial service provider in our network often ranges between 5.99% and 35.99%, although APRs vary according to the information that is supplied by you in your loan request. Your lender will provide you with the APR, loan fees and other terms when you are redirected to your loan agreement during the loan request process.

Credit Needed

Bad Credit

Fit Mastercard Credit Card

Who Should Apply?

• All credit types welcome to apply


• Ideal for consumers with lower credit scores that are looking to improve/build their credit


• Ideal Vantage 3.0 Score Range of 520 to 600


• Checking Account Required


About The Offer:

• Fast and easy application process; results in seconds


• $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)


• Potential Credit Limit Increase after just 6 months


• Monthly reporting to the three major credit bureaus


• Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)


• Use your card at locations everywhere Mastercard® is accepted


• Mastercard Zero Liability Protection (subject to Mastercard Guidelines)


• Upfront processing fee applys


• See all terms and conditions


This offer is NOT available in the following states: MA, CO, WV, IL


Credit Needed

Bad Credit

Fair Credit

Auto Title Loans

MaxCash Title Loans is a trusted leader in the auto title loan industry, which is accredited with Consumer Affairs and has a 4 an ¾ star rating. Customers who have a vehicle that is paid off or close to being paid can apply for free to see how much they qualify for!

• No minimum credit score


• Free estimates at no cost


• Vehicle must be paid off or close to being paid off


• Open 7 days a week with extended business hours


• Loan Amounts: $100 - $50,000 *Depending on state residence


• Has serviced over 350,000 people in America


Not available in following states:

Colorado,Connecticut,Hawaii,Kansas,Montana,Nebraska,New Jersey,New York,North Carolina,Rhode Island,South Dakota,Washington,Wash DC,Wyoming

The Process:

The first step is to fill out the quick pre-approval web form. Our lenders will ask for a full application if it looks like you have a strong possibility of getting the loan. The pre-approval web from is only a few questions and will tell us about you and your vehicle. Once we know this, we can figure out what lender will work for you and connect you to that lender. In some cases the lender may tell us the pre-approval amounts and ask us to help you with the process… to a point. The very private information will be between you and your lender and not us. Once you know what you can get you can decide if you want the loan and proceed of not… and all this is without ANY cost to you. If you get the loan, then you would pay the lender, not us, for the loan and interest and any fees incurred.

What is the qualifications for a car title loan?

• Govt.issued photo ID (Like an I.D. or Driver license).


• Free and Clean Title in most cases but some lenders will allow a small amount to pay off on your behalf.


• Three references not related to you.


• Insurance.


• Social Security Card (or a Document on which your name and SSN both are listed)


• A checking account may be needed in some states


How fast does the process take to get the loan?

In some states we have seen people get their money in less than 30 minutes. Other states a few days. We will have you pre-approved in a matter of minutes. Then the paperwork is about 15 minutes of your time. Of course, plan on spending some time picking up your money.

Do I need to have a good credit?


You can have little, bad or even no credit at all.


What are the loan amounts?


Loan sizes can range from $100 to $50,000 based on the equity in your car and income.


What are the length of the loans?


Loan term lengths can be anywhere from 12 to 48 months.


What are the interest rates on title loans?


This varies but we want to give you a pretty clear answer here. Title loans are high interest loans and are meant for short term needs. Interest rates vary by company and by state. Some are as low as 52% per year compounded daily and some go into the 200-300% range per year. In our experience we have seen an average of about 96% per year compounded daily. The best way to think about this is take out one dollar and you pay back a little less than two… if you kept the loan out for a whole year. You can triple that if you take it out for 3 years.


Do I need to be employed?


You have to have some sort of income period. We are more concerned about the fact that you have a way to pay the loan then the question if you are employed.


Does my car need to be paid off?


Well that's a maybe. Most lenders we work with can incorporate the last couple payments into a car title loan but this is only done on newer cars.

Credit Needed

No Credit

No Credit

Fair Credit

Good Credit

Fair Credit

Acorns Savings & Investment App

Acorns 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.


Credit Needed

N/A

Affiliate Disclosure:

Affiliate Disclosure: CreditCardBroker.com and it’s affiliates are paid commissions on a per-sale basis for credit card offers displayed on this website. We may, at times list credit card offers that we are not paid commissions for. Content: This content is not provided or commissioned by the company whose products are featured on this site (Personameant Solutions) Any opinions, analyses, reviews or evaluations provided here are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by the advertiser. This site may be compensated through the advertiser’s affiliate programs.

OUR MISSION

Personameant Solutions believes that everyone deserves a chance to do great things in life. We are inspired by the endless possibilities of the world to assist our clients with resources geared towards improving your credit score.

CONTACT DETAILS

100 Hay Street Suite 705 Fayetteville,

NC 28301


1.877.495.8739


info@personameantsolutions.com


Copyright 2022 © Personameant Solutions