Good Credit, Minus the Debt

Guaranteed approval, zero interest, no credit check. We report every on-time payment to Canada’s credit bureaus — you watch your score climb.

Start Building Credit

interest. Not now, not later.

deposit to get started.

+[XX]

average points in [12] months.¹

$[X]

a month. Cancel any time.

Lenders Want Proof You Pay on Time. We Send It.

Neobanc opens a small, interest-free credit line in your name. You pay your plan each month, we report it to the bureaus, and your payment history — the biggest piece of your score — grows.

No application, no hard check

Reported to [Equifax and TransUnion]

Free score tracking in the app

Your Credit Score

684

+[XX] this year

300

900

Payment History

Building

Utilization

Low — nice

Credit Age

Growing monthly

Credit Mix

+1 account

A Better Score Changes the Offers You Get

Same you, better terms. Here’s where it shows up.

Car loan rate

[X.X]%

Lower Interest Rates

Pay less to borrow for a car, a mortgage or a line of credit.

Better Card Options

Qualify for cards with fewer fees and better rewards.

Apartment lease

Phone plan, no deposit

Business line of credit

Lower Interest Rates

Pay less to borrow for a car, a mortgage or a line of credit.

Why Thousands Trust Neobanc

Registered MSB, PCI-DSS compliant, built in Canada for Canadians.

[4.X]

App Store rating

[XXK]+

Members

[$XM]

Cashback paid out

Good Questions

No items found.

Future You Will Thank You

Start Building Credit

Good Credit, Minus the Debt

Good Questions

Grow your savings, start earning cashback today