Nevly Logo Color.

A new way to build credit

Nevly offers the Credit Builder Credit Card, another tool offered by Nevly that allows you to improve the health of your finances and allows you to start doing money different.

Secured Card Graphic.

Start building credit for free

No annual fees, no interest, or large security deposits. No credit check to apply.

Start building credit on everyday purchases

Start building credit with everyday purchases and on-time payments. Use it everywhere Visa cards are accepted.

Start building credit safely

Disable your card instantly to prevent fraudulent activities on your account. Use your own money to build credit, helping you to keep away from additional debt and avoid missing payments.

Start building credit for a better future

We report to all 3 credit bureaus to help you build credit over time. On average We believe members will see an increase of 30 points on their credit score.

How It Works

Download the Nevly app

Manage your Nevly account, refer friends, and more—all in just a few taps.

Enroll in Direct Deposit

Take advantage of our Early Wage Access.

Apply for our Credit Builder Card

Once you’ve hit our qualifying deposit amount of $250 apply for your Credit Builder Card

Transfer your Initial Deposit

Transfer your initial deposit to your Credit Builder Account and start using your card

What are you waiting for?

Let’s get to work today. 

background texture pattern.


All that’s needed is an active Nevly Account and at least $250 in direct deposits. It takes less than two minutes from start-to -finish on our website or mobile app. 

No! We know that everyone deserves a chance to build credit, so we don’t check your score when you apply.

Yes. We designed Credit Builder to work exclusively with the Nevly Checking Account so that you can move money instantly—across your Nevly accounts!

No way! No fees…period! 

Credit Builder helps you stay on top of key factors that impact your credit score. Consistent use can help build an excellent payment history, increase the length over time and more! We report to major bureaus like TransUnion or Experian - which means no worries about being discreet when it comes down crunching numbers for loans (or anything else).

Unlike traditional credit cards, Credit Builder helps you build credit with no annual fees, no interest and no credit check required to apply.
Credit Builder is a secured credit card. The money you move into Credit Builder’s secured account is the amount you can spend on the card. Unlike other credit cards with high utilization rates, increasing how much money is put on this one will not cause problems for your reports since there are no preset amounts or limits.

Spending up to the amount you added won’t contribute to a high-utilization record on your credit history.

Yes, Credit Builder is a secured credit card that lets you build your own personal history. The money in this account will determine how much of an advance on future purchases can be given to use as security deposit; often times other companies' cards require users pay up front but Credit Builders reports live right alongside theirs so it's not just about building good habits - also, there are no fees if payments aren't made each month either! 

Credit Builder is a great way to build your credit without the hassle of setting up an account. Instead, just move money into this secure account and then use that as spending limit on any card you want!

Credit builder is a great option if you have good credit and want to build it even more. This card doesn't report any of your available balance as used, so there's no risk involved with going over the limit! You'll also keep up good scores by making on-time payments each month - just like traditional cards but without all those negative impacts for paying late.

How much you can spend with Credit Builder is shown to you as Available to Spend in the Nevly app.

Nope. If you're looking for an easy way to build your credit, then look no further than Credit Builder. This app doesn't report percent utilization because it has no pre-set limit on how much money can be spent in order get higher scores from the major bureaus - meaning that all of those purchases will count towards building up good history! 

Scroll to Top