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Build your credit history

Get started within minutes without credit check
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How it works

1. Create an Account

Sign up in minutes, and get started in the same day.
Connect your bank account, no credit check, no credit pull.

2. Access your Credit Line

Qualify for $50-$150 based on your income.
No interest, no hidden-fees, so you don't have to worry about falling deeper into debt

3. Build Payment History

We report your credit line to the credit bureau. Each time you repay your credit line, it will help you build credit history.

How can we help you build

Nyble's interest-free credit line may help you address 3 key factors that could impact your credit score: payment history, credit utilization, and average account age.
Payment History

Around ~35% of your credit score is determined by all of your payment history.

Nyble's interest-free credit line encourages you to repay on-time every time you withdraw from that line of credit. This will help you build a habit of repaying on-time as well as your repayment history.
Every month, we'll report your repayment history to the credit bureau.

Each report builds your payment history, and may help improve your credit.

Credit Utilization

This is the ratio of how much credit you’ve used to how much you can use, i.e. your credit limit.

The lower this ratio, the better for your credit. With the Nyble interest-free credit, you can choose how much of your approval amount you withdraw.

Credit Utilization

This is the ratio of how much credit you’ve used to how much you can use, i.e. your credit limit.

The lower this ratio, the better for your credit. With the Nyble interest-free credit, you can choose how much of your approval amount you withdraw.

Average Account Age

The older your accounts, the better.

The Nyble interest-free credit line account doesn’t expire. We will keep it open for you unless if you specifically request it to be closed. In the meanwhile, it will continue to increase your average account age.

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