300+ scores accepted $0 to apply Same-day decisions

Your score is history.
Your paycheck is now.

Three credit pathways — secured card, starter card, or same-day cash advance — approved by your income and bank activity. No credit pull. No score games.

Show Me My Pathways ⚡ See the numbers first
0Min. score accepted
0Credit pathways
0Minutes to apply
0Hidden fees
Three Pathways

Pick your lane. We'll match you.

One application checks you against all three. You get the strongest offer your income and banking history unlocks.

🛡️

Secured Card

Zero score, zero history — start here
Limit$200 – $500
DepositMatches limit 1:1
IncomeAny / variable OK
Bank history< 30 days OK
Credit checkNone

Refundable deposit backs your limit dollar-for-dollar; applied to balance only after 60 days of delinquency.

Go Secured
⚡ Most Popular
💳

Unsecured Starter Card

No deposit — income does the talking
Limit$300 – $400
DepositNone
Income$1,200+/mo net
Bank history90+ days active
APRUp to 35.99%

$75 first-year annual fee + $25 setup fee at opening. Verified W-2/benefit income required; no open bankruptcy.

Go Unsecured
💸

Payday Advance

Cash now — squared on payday
FundingSame / next day
RepaymentNext payday, in full
IncomeVerified direct deposit
Credit scoreFully bypassed
Repayment methodAutomatic ACH

Costs capped by state law; not offered where prohibited (e.g., New York). Maturity aligns to your next pay date.

Go Advance
How It Works

Application to answer in ~10 minutes

Underwriting that reads your real financial life — paychecks, deposits, stability — not a three-digit verdict from years ago.

🪪

Verify identity

Name, address, government ID. Standard KYC, two minutes flat.

💰

Show income

W-2, 1099, gig, or benefits — plus your pay schedule and take-home.

🔗

Link your bank

Read-only Plaid connection. We see activity, never your credit file.

🎯

Get matched

The engine unlocks the strongest of the three pathways you qualify for.

The Numbers

Full cost printout. Before you sign.

Subprime credit runs on fine print. We run on a terminal dump of every fee we charge.

brightpath — fee_disclosure.log
application_fee$0.00 — always
secured_deposit$200–$500 (refundable)
unsecured_annual_fee_yr1$75.00 upfront
unsecured_setup_fee$25.00 one-time
unsecured_aprup to 35.99%
advance_costcapped by state law
hidden_feesnull — none found
✕ 3+ overdrafts / 30 daysRecent NSF or overdraft flags in your linked account trigger an automatic decline.
✕ Loan stackingActive advances running with other payday lenders trigger an automatic decline.
✕ Active-duty militaryServicemembers and dependents are protected by the Military Lending Act and aren't eligible.
FAQ

Zero-spin answers

You really don't check my credit score?
Really. Approval runs on identity verification, income stability, and bank activity. A 300 score doesn't disqualify you — and for advances the score is bypassed entirely.
What income counts?
W-2 jobs, 1099/gig work, government benefits (SSI, SSDI, VA, retirement), and court-ordered income like alimony or child support. The unsecured card needs $1,200+/month net.
Is linking my bank safe?
Verification runs through Plaid — the encrypted service behind major banking apps — as a read-only connection. Skip it, and you're limited to the cash-secured pathway.
How does repayment work?
Automatic ACH payments timed to your paydays. Advances repay in full on your next payday; cards follow a statement cycle. Revocable in writing with 3 business days' notice.
Available in my state?
Cards are broadly available. Advances follow state law — costs are capped by your state's ceiling and the product isn't offered where prohibited, like New York.
What about bankruptcy?
An open case disqualifies the unsecured card; the secured pathway typically stays open. Discharged bankruptcies are evaluated case-by-case.

Find your pathway in the next 10 minutes.

Free to apply · No credit pull · No impact on your score

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