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Financial Product

Capital Bank - OpenSky® Secured Visa ® Credit Card

CREDIT NEEDED

Bad Credit
No Credit

  • APR for Purchases: 17.39% (variable)
  • No credit check is necessary to apply. OpenSky® believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky® reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • OpenSky® provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
see terms see terms see terms $35 N/A Bad Credit

The First Progress Platinum Elite MasterCard® Secured Credit Card

CREDIT NEEDED

Fair Credit
Bad Credit

  • 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.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file!
  • 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
  • APR for purchases = 19.99%
  • Annual Fee = $29

First Progress Platinum Select MasterCard® Secured Credit Card

CREDIT NEEDED

Fair Credit
Bad Credit

  • 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.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file!
  • 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
  • APR for purchases = 13.99%
  • Annual Fee = $39

First Progress Platinum Prestige MasterCard® Secured Credit Card

CREDIT NEEDED

Fair Credit
Bad Credit

  • 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.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file!
  • 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
  • APR for purchases: 9.99%
  • Annual Fee = $49

Surge Mastercard® Credit Card

CREDIT NEEDED

Bad Credit
No Credit

  • To help people build or re-establish credit history.
  • All credit types are welcome to apply. It takes less than a minute.
  • See if you’re Pre-Qualified with no effect on your credit score.
  • Reports to all 3 major credit bureaus.
  • The initial credit limit ranges from $300 to $750* (subject to available credit)
  • Potential Credit Limit Increase after just 6 months
  • Annual Fee: $75 – $99
  • RATES APR (variable): ranges from 25.90% to 29.99%
  • *See all terms in conditions on the website.

Some Requirements (Not limited to)

  • You need to have an existing checking account
  • Minimum 540 Vantage Credit Score
  • note:  Having the above does not auto approve you.  The bank will still look at other factors when making a decision.

Is there a credit check when I apply?

The pre-qual process is a soft pull (page 1 when the consumer submits an app).

If the pre-qual offer is accepted and the applicant submits a full application (page 2), that is a hard pull.

 

How long does it take to make a decision about my application?

In most cases, we will provide an instant decision. However, in some cases, we need to collect additional information to make a decision on your Surge credit card application which could take up to 30 days.

 

About Continental Finance:

Continental Finance, one of America’s leading marketers and servicers of credit cards for consumers with less-than-perfect credit, is proudly rated A+ by the Better Business Bureau.

Continental Finance Company is proud of our customer feedback. With more than 2.6 million credit cards managed since our founding, CFC prides itself on putting the customer first. We specialize in providing credit cards that help our customers build or establish credit with dignity and respect. If you have less than perfect credit, a CFC brand card can help you reestablish your credit history.

 

Who is Celtic Bank?

Founded in 2001, Celtic Bank is a leading nationwide small business lender and residential construction lender. Headquartered in Salt Lake City, Utah, Celtic Bank is a privately owned industrial bank chartered by the State of Utah. Celtic Bank is an SBA Preferred Lender and was named the 8th largest SBA lender in the nation for FY 2014.

Merrick Bank Double Your Line™ Secured Visa®

CREDIT NEEDED

Fair Credit
Bad Credit
No Credit

  • Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit.
  • Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history 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 available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
  • See all terms and conditions on our website.

Credit Strong - Credit Builder Savings Account

 

CREDIT NEEDED

Fair Credit
Bad Credit
No Credit

  • A Better Way To Build Credit – Build Credit History and/or have an installment account reported!
  • Build Credit – Payments reported to all 3 major credit bureaus
  • No Upfront Deposit –  Pay as little as $8.95 to get started today.  Monthly Deposit Plan Options:  $15, $30, $50, $48, $89, $96
  • When you open your account, our bank instantly gives you a loan and places the loan funds in an FDIC-insured savings account in your name. The savings account funds are locked to secure the loan.
  • Make small monthly payments of principal and interest on your loan. The principal is a payment to yourself and is credited towards the lock on your savings – the interest is what we earn for providing the service.
  • When your loan is repaid in full, the lock is removed from your savings account. You’ve built both credit and savings.
  • We provide a free FICO® Score monthly so you can track your progress. 90% of top lenders use FICO Scores when making lending decisions.
  • *See terms and conditions on the website

 

Self Lender - Credit Builder Account

CREDIT NEEDED

Fair Credit
Bad Credit
No Credit

  • Reports to all 3 credit bureaus. No hard credit pull and no credit history required
  • Self Lender helps you get a small loan that you save in a CD for 12 or 24 months
  • Savings plans start at $25/month and include credit monitoring
  • At the end of the account term, you’ve built credit history, and your CD savings unlock

Auto Financing and Refinancing

CREDIT NEEDED

Fair Credit
Good Credit
Excellent Credit
Bad Credit

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…

First Access Card (Unsecured Card)

CREDIT NEEDED

Bad Credit

  • 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.

Assent Platinum MasterCard® Secured Credit Card

CREDIT NEEDED

Bad Credit
No Credit

  • 0% Intro APR – No interest charged on Purchases for Six Months!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file!
  • 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
  • Annual fee of $49

ROCK The Score Rental Reporting

  • Do you rent a home or apartment?
  • Pay Your rent as you have been, and your ontime rent payments are now reported to selected credit bureaus to help boost your credit profile and increase that credit score.
  • Report the past two years of rent payments for a possible boost to your credit score!
  • Pricing:  $8.95 Monthly (Keeps Trade Line Open) – $25 One time set up fee – Optional: $99 Historic Reporting
  • Join our rent reporting program and gain an immediate boost to your credit score with major credit bureaus. It’s quick and easy!
  • We recommend reporting both your historical data along with ongoing rent payments. A seasoned and open trade line provides the biggest boost possible to your credit score.
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