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

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

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