We're changing credit for the next generation
Our mission is to make money rewarding and credit empowering for the next generation. Here's how you can apply.
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What's representative APR?
Representative APR (annual percentage rate) is a rate credit providers, that's us, show so you can compare the cost of different credit products.
It includes all the fixed fees you pay, like your membership fee, so it isn't the rate you'll pay us if you ever need to borrow money. We'll show you that when you sign up.
It includes all the fixed fees you pay, like your membership fee, so it isn't the rate you'll pay us if you ever need to borrow money. We'll show you that when you sign up.
We think credit scores are broken
Credit scores are an average of people that behave like you. But what if you鈥檙e fresh off the plane or you've never had a loan or a credit card before? You鈥檒l need to start from scratch.
A fairer view on your finances
We use Open Banking, a safe and secure way to view your banking data, to check your income and expenses. It gives us a more accurate, more complete, and more fair view of your finances. It's great for expats and immigrants.
You could build your credit score with us
If you make your monthly payments on time, we'll report them to Experian, Equifax and TransUnion which can help build your credit score towards unlocking other financial services like mortgages in the future.
Missing payments can impact your credit report, so it's important to make payments on time and only borrow what you can afford to repay.
Missing payments can impact your credit report, so it's important to make payments on time and only borrow what you can afford to repay.
How to apply in three easy steps
Finish your eligibility check.
CF
25% complete
You've already passed eligibility
You've already been pre-approved for {amount}, subject to verification
Step 1
Check your eligibility
We鈥檒l ask you a few quick questions to see if you鈥檙e eligible. We鈥檒l run a soft credit check here, but don鈥檛 worry, it won鈥檛 affect your credit score.
Step 1
Download the 海角社区 app
You鈥檒l have the chance to double-check the details you鈥檝e given us, just to make absolutely sure before we run a hard credit check.
Step 2
Complete your application
Download the app to verify your finances and ID. We鈥檒l run a check on your credit report if you have one.
Step 3
Sign your credit agreement
Once you鈥檙e approved, you鈥檒l be able to choose your membership and start using your digital card right away.
See if you鈥檙e eligible
No impact on your credit score
Takes just a couple minutes
By continuing, you agree to our App Terms & Privacy Policy
Nearly there, {Name}
You鈥檙e eligible for 海角社区 membership!
Finish your application and get your card