OUR PHILOSOPHY

We believe everyone deserves access to credit:
We focus on nearly 20% of American consumers and nearly 25% of Canadian consumers that are either unserved or underserved by mainstream credit providers and deserve better and more inclusive access to credit.

Help consumers evolve to better credit products over time:
We want to be an integral part of a consumer’s evolution to better financial health and be a part of their credit journey, including working with an ecosystem of partners that provide consumers with the potential to graduate to lower cost credit products over time.

Provide a best-in-class consumer experience:
It is part of our value system to serve customers with urgency, respect and exceptional customer service, which includes providing financial tools, education and other products free of charge to support consumers on their path to better financial health.