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No Fee Gold Card

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No Fee Gold Card

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Gift Yourself the Power to Purchase!
Credit Lines Up To $1,000

Enjoy 0% financing and gain access to our exclusive online store where you can shop for name brand products.

Low Interest Rates

Get the lowest rates, where you qualify.

No Credit Checks

We won't perform credit checks so no application is denied for poor credit.

Buy Now & Pay Later

Start shopping now and pay later with our low monthly payment plan.

Helpful Credit Tips

At a glance, your credit score can tell your potential lender what they can expect from you as a client. Good credit can make you more likely to get a loan for big purchases, get you better interest rates, and overall helps get you closer to the life you dream of with much less hassle and stress. If you're new to credit, you might be wondering "Well, how do I build good credit?" Getting started is the hardest part because to build credit, you need credit. But building credit, while daunting, can happen quickly once you make the proper first steps.

The easiest place to start building credit is with credit cards. You can apply for a secured credit card with a higher credit limit. These cards are targeted to those who are new to credit and are easier to get approved on than unsecured credit cards. Once you are approved, it's important to remember not overdo it on spending and to limit the number of cards that you have. Keeping a low credit balance and, most importantly, paying your credit card bills on time is the best way to ensure that your credit is on the track to perfection. Your credit score when you first start can take up to 6 months to populate, but you will find that once you have a score, purchases that involve lenders and credit become much easier.

Building Credit 101

Are you looking to dig yourself out of poor credit? As it stands, about 20% of Americans have credit scores below 600. Having poor credit can make it harder to apply for loans and credit cards, renting an apartment, and can reduce your options when looking at cell phone providers. However, there are steps you can take to increase your credit score so you don't have to worry about finances down the line. We have created a comprehensive guide on how you can increase your credit score and start applying for those loans you have eyed up!

Request a Credit Report

Did you know you can get a copy of your credit report for free? We recommend ordering a credit report once every four months. Keep in mind that you can only order one a year from each major credit bureau.

Look for Errors

If you find errors in your credit report, you can file a dispute with one of the major credit bureaus. Investigating a dispute can take up to 30 days so be sure to plan accordingly.

Stop Overspending

If you are spending more than you can repay, we recommend temporarily freezing the credit card. This will give you time to repay and rebuild your credit. It is also important to make sure that you are making payments on time.

Pay Your Credit Cards on Time

Most credit companies offer automatic payment plans that you can easily set up so you don’t miss your due dates. We recommend making payments that are higher than your minimum due to rapidly decrease your debt.

Lower Your Debt

When you get approved for a credit line, it is important to try and keep your outstanding balance as low as possible. We recommend keeping your credit utilization below 30%. So if you have a $1,000 credit line, try to keep your debt amount below $300.

Pay off Your Debt

If you have multiple credit lines, it is best to start paying off the ones with the highest interest rates. Try to make payments higher than the monthly minimum. While it seems like you are paying more, you’re actually paying less in interest rates in the long run.