We are a financial services company reinventing the credit experience for the modern, mobile consumer.
A line of credit you can access, manage, and spend directly from your smartphone. We offer hassle-free financial support that works with your existing bank account.
With Float Credit, it’s never been easier or faster to access credit. If you have ever incurred an overdraft fee, borrowed money from a friend, or even had to take out a terrible payday loan — Float Credit is for you.
We help you pursue opportunities, deal with financial emergencies, and seize life’s moments.
By lending customers exactly what they can afford, Float Credit removes fear from the borrowing process. You’ll never have to stand in line or fill out a painful application again, and there is no reliance on FICO to determine credit. It’s an easy way to access credit without the fees, risks, and penalties of traditional borrowing.
Sign up on our website or install the free Float Credit app. All you’ll need is:
That’s correct! Unlike traditional lenders, we don't check your FICO score and won't ding your credit score when you create an account. Instead, we base credit decisions on what we think you can actually afford.
We offer highly personalized credit lines, never giving you more than we think you can afford. Credit lines start from $50 and go up to $1,000.
Whatever you borrow during a given calendar month is due in full by the 21st of the following month.
You can use your credit anywhere your debit card is accepted, withdraw it as cash, or use it to pay bills.
We are committed to being transparent about our pricing. Once an account is opened, you’re only charged when you draw on your credit line; no hidden or monthly fees.
No other fees, interest, or APR to access your line of credit.
Payments are made directly through our app or website and take 3-4 days to process. As soon as your payment clears, your line of credit will reset and your credit will be available to use again.
Absolutely. You can pay down your Float Credit at any time, for any amount before your bill is due. However, your balance must be paid back in full following each billing cycle to avoid any late fees. Early payments are welcomed and rewarded.
Yes. We will report your relationship and payments to credit bureaus. Borrowing responsibly and paying on time may positively affect your credit score. Missing payments and incurring late fees may negatively affect your credit score.
We are currently available to residents of California and Utah. We are working hard to expand to other states, and will promptly notify applicants upon launch.
There are a few basic requirements for an account. You must be 18 years of age or older and have a bank account we support.
We currently support accounts associated with the following banks (and are working hard to support more in the near future): Wells Fargo, Bank of America, Chase, US Bank, USAA, Citi, Navy Federal, SunTrust.
Easily manage your account by replying to our texts with the following:
Our friendly and helpful member support staff is happy to answer any of your questions or discuss your comments. Please email firstname.lastname@example.org.