Credit Building Line

Establish or build your credit

Build credit history responsibly with a dedicated line of $30-$250 at 0%, no prior credit file or deposit required.

Build your credit with confidence

Build and rebuild your credit and gain access to additional benefits with Nyble. With responsible use, Nyble can help you achieve your financial goals and improve your credit score.

How it works

Use your line

Open a credit building of $30 - $250 at 0% and withdraw funding.
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Pay on time

Your payments are automatically reported to the credit bureau on a monthly basis.
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Build credit

With on-time payments, you may improve your credit score and unlock financial opportunities.

Guaranteed approval if you meet these conditions.

Building credit is a catch-22, you need credit history to get started. But it is hard to get started without credit history already. With Nyble, you can get started without any prior history by meeting the following conditions.

You meet the legal age requirement

You are at least the age of majority in your province or territory of residence.

You have a valid Canadian bank account

You have a valid Canadian bank account to verify your identity with a method supported by Nyble.

You have a source of income

You have direct deposit income of greater than $1,000 to confirm your bank account is active.

Your account is in good standing

You don’t have an existing Nyble account or any Nyble accounts that is not in good standing.

Become a member and get exclusive benefits

Try 30 days for free, then only $11.99/mo. Cancel anytime.

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Membership unlocks faster funding & more rewards.

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Protect yourself against online fraud with up to $100,000 in total coverage.

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Check & monitor your credit score

Securely access your credit score and full credit report any time via the Nyble mobile app or online. Get alerts and track your credit and debt balances.

Security & support you can trust

Serious security

Bank-level AES 256 encryption & full PCI compliance keeps your data safe.

We value privacy

We don’t share your information with unaffiliated third parties.

Support & monitoring

Dedicated trust and security with account monitoring and end-to-end support.

Join over 100,000 Canadians on Nyble

*Impact on credit scores may vary. Nyble is responsible for credit reporting and is required to report both on-time and late payments, which may impact a credit bureau's determination of your credit score. Nyble does not provide cash advances or personal loans. Upon approval, your reported tradeline is a revolving line of credit intended for credit building. Use it exclusively to build credit history. Eligibility is subject to identity verification and underwriting. Nyble is free to use, optional credit building and credit monitoring membership features cost $11.99 monthly after a 30-day free trial, cancel or downgrade anytime without penalties. Make consistent on-time payments and keep your account balance low to maximize credit building potential. Features may vary depending on your province.

† Identity theft coverage, credit monitoring, and associated services are provided by CyberScout, a TransUnion brand. To be eligible, you must (a) have an active membership and (b) have your account in good standing. To enroll, customers must register and follow registration requirements.  

‡ Balance Protection is underwritten by Trans Global Life Insurance Company and Trans Global Insurance Company provided to Nyble under policy numbers NYB-02012024-P and NYB-02012024-L and extended to all members at no additional cost in case if you are unable to meet your financial obligations in the event of involuntary unemployment or disability. To be eligible, you must (a) have an active membership and (b) have your account in good standing.