Credit building

Self is a financial startup offering a credit-building service. Users can open a Credit Builder Account starting at $25 per month, contributing to a Certificate of Deposit (CD) while building credit. Payments are reported to all three credit bureaus without a hard pull. The service helps improve credit scores by establishing a positive payment history. Self also offers the Self Visa® Credit Card and allows customers to build credit using rent and utility payments. Additionally, the platform emphasizes security with 256-bit AES encryption and compliance to high security standards, offering a simple tool to budget and gain credit confidence.

Self

Self helps build credit using savings and controlled spending.

Step

Financial platform educating and providing services for money management.

Consumer banking

Direct trading

Cleo is a personal finance AI assistant that offers budgeting tools, savings help, and credit building options without traditional credit checks. It is designed to be quick and user-friendly, with signup taking only 2 minutes. Cleo roasts or hypes users about their spending habits, encouraging better financial decisions. Users can qualify for up to $250 advances without interest or credit checks, though eligibility criteria apply. The Credit Builder Card helps users improve their credit scores. Cleo prioritizes security with bank-level encryption, never sells data, and is FDIC insured, providing a safe environment for managing finances.

Cleo

AI financial assistant app for budgeting, saving, and building credit.

Personal finance apps

Payday advances

Current is a fintech startup providing financial services including faster direct deposits, credit building with a secured charge card, and fee-free overdraft protection. Users can earn up to 4.00% bonus on savings and benefit from round-up features to save effortlessly. Current also allows buying and selling of cryptocurrencies with zero trading fees and offers a selection of popular coins. Banking services come with FDIC insurance for peace of mind, and they offer a network of over 40,000 fee-free ATMs. There are no annual or minimum balance fees, and no credit checks are required for account opening.

Current

Financial services startup offering banking, savings, and cryptocurrency investment solutions.

Credit building

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