A low score is not permanent. With a secured credit card and good habits, you can rebuild your credit history and regain access to better financial opportunities.
Apply online in a few minutes and take the first step today.
Canadian credit score range
Typical starting deposit
Helping Canadians rebuild
Online application
With a secured card, you set your own credit limit by placing a deposit as security. Deposit $300 and your limit is typically $300.
Use it for small, regular purchases and pay the balance on time. Each on-time payment adds positive history to your file. It is an ideal tool if you are new to credit or recovering from financial difficulties.
Loans, credit cards and leases become easier to obtain.
Higher scores usually mean lower interest and more flexible conditions.
You are better prepared when an unexpected expense or a car purchase comes up.
Start by checking your credit report for free with the bureaus TransUnion or Equifax. Look for late payments, outstanding balances or errors.
Then focus on habits: pay on time, keep balances low and automate payments so you never miss a due date. If you need funds in the meantime, a no credit check loan can cover short-term needs.
Simple, guided and fully online.
Share your personal information and documents. A specialist guides you through the process.
Personal guidance
Once approved, place your security deposit. That amount becomes your credit limit.
You choose the amount
Make everyday purchases and pay on time to gradually improve your score.
Build history monthly
It is your choice. Base it on your monthly expenses, such as groceries, fuel and small purchases, so you can use the card regularly and pay it off easily.
Every situation is different, but consistent on-time payments over several months are what build a stronger profile.
Yes. Many clients pair a secured card with debt consolidation to simplify payments while rebuilding.
Apply online in minutes. Our team will guide you toward the solution that fits your situation.
