BrightPath Credit — Credit Options When Your Score Says No

Three Pathways

Pick the product that fits where you are today

Every application is matched to all three pathways automatically. You qualify for the best one your income and banking history supports — no credit pull required.

🛡️

Secured Credit Card

Build credit with zero score requirements

Credit limit$200 – $500

DepositMatches limit 1:1

Income neededAny / variable OK

Bank historyUnder 30 days OK

Credit checkNone

Refundable cash deposit secures your limit dollar-for-dollar. Ideal if your income is new or irregular.

Start Secured →

Unsecured Starter Card

No deposit — approved on income alone

Credit limit$300 – $400

DepositNone

Income needed$1,200+/mo net

Bank history90+ days active

APRUp to 35.99%

$75 annual fee + $25 one-time setup fee apply at opening. Requires verified W-2 or benefit income and no open bankruptcy.

Start Unsecured →

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Payday / Cash Advance

Cash today, squared up on payday

FundingSame / next day

RepaymentYour next payday

Income neededVerified direct deposit

Credit scoreFully bypassed

Repayment methodAutomatic ACH

Loan maturity aligns to your next scheduled pay date. Availability and cost limits vary by state; not offered where prohibited (e.g., New York).

Start Advance →

How It Works

From application to answer in minutes

Our underwriting reads your real financial life — paychecks, bank activity, stability — instead of a three-digit score.

Verify your identity

Name, address, and a government ID. Standard KYC — takes about two minutes.

Show your income

W-2, 1099, gig work, or government benefits. Tell us your pay schedule and take-home pay.

Link your bank

Secure, read-only connection through Plaid. We check account activity — never your credit report.

Get matched

Our engine matches you to the strongest of the three pathways you qualify for. Decision the same day.

Radical Transparency

Every rate. Every fee. Before you sign.

Subprime credit has a reputation for fine print. We put ours in large print.

Cost Item	Amount	Applies To
Security deposit	$200 – $500 (refundable)	Secured card
Annual fee	$75 (first year, upfront)	Unsecured card
Setup fee	$25 one-time	Unsecured card
APR	Up to 35.99% (max legal)	Unsecured card
Advance cost	Capped by your state's law	Payday advance
Application fee	$0 — always free	All products

Know before you apply

✓Active checking account required. Repayment runs by ACH, so we need a standard checking account — prepaid cards and some app-only banks don't qualify.
✓Repayment is automatic. Payments are scheduled to your paydays via ACH authorization. You can revoke in writing with 3 business days' notice.
✗3+ overdrafts in 30 days in your linked account will decline the application.
✗Active loans with other payday lenders ("loan stacking") are an automatic decline.
✗Active-duty military and dependents are protected under the Military Lending Act and are not eligible for these products.

Questions

Straight answers

Do you really not check my credit score?

Correct — approval is based on identity verification, income stability, and your bank account activity. A FICO or Vantage score as low as 300 does not disqualify you, and for cash advances the score is bypassed entirely.

What income counts?

W-2 employment, 1099/gig work, government benefits (SSI, SSDI, VA, retirement), and court-ordered income like alimony or child support all count. The unsecured card requires at least $1,200/month net take-home.

Is linking my bank account safe?

Bank verification runs through Plaid, the same encrypted service used by major banking apps. It's a read-only connection for verification — declining it limits you to the cash-secured pathway only.

How does repayment work?

You authorize automatic ACH withdrawals timed to your pay dates. Advances are repaid in full on your next payday; card payments follow your statement cycle. The authorization can be revoked in writing with at least 3 business days' notice.

Is this available in my state?

Card products are broadly available. Payday advances follow state law — costs are capped by your state's regulatory ceiling, and advances aren't offered in states that prohibit them, such as New York.

What if I have a bankruptcy?

An open, active bankruptcy case disqualifies the unsecured card, but the secured card pathway typically remains available. Discharged bankruptcies are evaluated case-by-case.

Your credit score said no.
Your paycheck says yes.