Credit Building Line

Build your credit with up to $250 at 0%

Build credit responsibly with a $30-$250 credit line at 0%, no prior credit history 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.

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How it works

Use your line

Open a credit building of $30 - 250 at 0% and withdraw funding.
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Pay on time

Your payments are automatically reported to the credit bureau on a monthly basis.
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Build credit

With on-time payments, you may improve your credit score and unlock financial opportunities.

You're guaranteed approval if you meet these four 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.

Check & monitor your credit score

Securely access your credit score and full credit report. Get alerts and track your credit and debt balances.

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Always free, optional membership for extra perks

For only $11.99/mo. Cancel anytime.

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Membership enriches your credit journey & unlocks faster rewards

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Protect your balance against involuntary unemployment & disability.

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Our commitment to earn your trust

Serious security

Bank-level 4096-bit encryption, full PCI compliance and sensitive data always encrypted at-rest & in transit.

Privacy first & always

We don’t share your information with unaffiliated third parties. All your information belongs to you and access by anyone else requires your explicit consent.

Support & monitoring

Our dedicated support team will always be by your side to help you. Our security perform constant monitoring to ensure that your account is secure.

Build your credit with up to $250 at 0%

Build your credit with confidence

How it works

You're guaranteed approval if you meet these four conditions.

Check & monitor your credit score

Always free, optional membership for extra perks

Membership enriches your credit journey & unlocks faster rewards

Protect your balance against involuntary unemployment & disability.

Our commitment to earn your trust

Join over 100,000 Canadians on Nyble