Credit Strong

Choose Revolv. if

  • You want to build credit fast

  • You don’t have at least 2 credit cards with low utilization (below 10%)

  • You’re just starting to build good credit

  • You want the best value and most flexible plan with optional monthly payments

$99 Today
+ $0 Required Monthly Payment
$8.25/mo billed annually

Choose Revolv. Learn more

Choose Instal. if

  • You want the cheapest way to get started

  • You want to build long-term payment history

  • You have 2+ credit cards with low utilization (below 10%)

  • You want an installment account in your credit profile

  • You can make a required monthly payment of at least $15/mo, on-time for at least 24 months in a row

$15 Today
+ $15/mo to $96/mo

Required Monthly Payment

Choose Instal. Learn more

Choose MAGNUM if

  • You have cash, but not credit

  • You want to add a term loan of $5,000 or $10,000 to your profile

  • You want to build personal credit for business purposes

  • You’re trying to access higher credit limit credit cards with rewards

  • You want to access larger personal loans

  • You can afford to make a required monthly payment of $55 or $110, on-time for at least 12 months in a row

$25 Today
+ $55/mo or $110/mo
Required Monthly Payment

Choose MAGNUM Learn more

Pro Tips

Good credit mix

  • At least 1 installment (term loan) and 2 revolving (credit card) accounts

  • Additional accounts can be beneficial

On-time Payment history of 12+ months

  • On-time payments, no lates

  • Increasing amounts of credit

  • Longer the better, 5+years is ideal

Low revolving credit utilization

  • Ideal: 2% to 9%

  • Good: 0% to 1%, 10% to 30%

  • Bad: 30%+

No derogatory items

  • No collections, bankruptcies, etc.

Still undecided?

Learn more about Revolv.
Learn more about Instal.
Learn more about MAGNUM