Credit Building Line

Establish or build your credit

Build credit history responsibly with a dedicated line of $30-$150 at 0%, no prior credit file or deposit required.

Build your credit with confidence

Build and rebuild your credit and gain access to additional benefits with Nyble. With responsible use, Nyble can help you achieve your financial goals and improve your credit score.

How it works

Use your line
Open a credit building of $30 - $150 at 0% and withdraw funding.
Pay on time
Your payments are automatically reported to the credit bureau on a monthly basis.
Build credit
With on-time payments, you may improve your credit score and unlock  financial opportunities.

Guaranteed approval if you meet these conditions.

Building credit is a catch-22, you need credit history to get started. But it is hard to get started without credit history already. With Nyble, you can get started without any prior history by meeting the following conditions.
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You meet the legal age requirement
You are at least the age of majority in your province or territory of residence.
You have a valid Canadian bank account
You have a valid Canadian bank account to verify your identity with a method supported by Nyble.
You have a source of income
You have direct deposit income of greater than $1,000 to confirm your bank account is active.
Your account is in good standing
You don’t have an existing Nyble account or any Nyble accounts that is not in good standing.

Become a member and get exclusive benefits

Try 30 days for free, then only $11.99/mo. Cancel anytime.

Membership unlocks faster funding, full credit report access & more rewards.

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Protect yourself against online fraud & identity theft with up to $100,000 in coverage.

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Check & monitor your credit score

Securely access your credit score and full credit report any time via the Nyble mobile app or online. Get alerts and track your credit and debt balances.

Security & support you can trust

Serious security

Bank-level AES 256 encryption & full PCI compliance keeps your data safe.

We value privacy

We don’t share your information with unaffiliated third parties.

Support & monitoring

Dedicated trust and security with account monitoring and end-to-end support.

Join over 50,000 Canadians on Nyble