Our roadmap

What we're building over the next four months

Product transparency isn't just about disclosing today's rates. It's about being honest about where we're going. Here's our public roadmap through the end of the year — expansion, faster funding, mobile app, and a graduate program for credit-builder alumni.

Month01

Faster funding

Real-time payments rollout

Enable FedNow and RTP for instant funding to compatible bank accounts. Applications completed anytime — including nights and weekends — will fund within minutes for borrowers whose banks support real-time payments.

FedNow integration liveInstant funding to 850+ US banks that support FedNow

RTP network addedReal-Time Payments network coverage for major banks

Weekend originationApprovals and funding available Saturday and Sunday

Bank compatibility checkerTell borrowers if their bank supports instant during application

Month02

Mobile experience

iOS and Android app launch

Native mobile apps with the full application flow, payment management, and credit score tracking. Push notifications for payment reminders and score updates. Biometric login and offline access to loan documents.

iOS app in App StoreNative app for iPhone with Face ID and Apple Wallet integration

Android app in Play StoreNative app for Android with fingerprint login

Free credit score in-appMonthly VantageScore updates from all 3 bureaus

Payment remindersPush notifications 3 days before each due date

Month03

State expansion

Five new states, three additional products

Complete licensing in Colorado, Connecticut, Massachusetts, New York, and Pennsylvania — bringing us to 39 states and roughly 87% of US adult population coverage. Launch three new product features: co-signer option, secured loans backed by savings, and small-business owner loans.

5 new state licensesCO, CT, MA, NY, PA — pending regulatory approval

Co-signer productAdd a co-signer to qualify for better rates or higher amounts

Secured loan optionUse savings as collateral for 3-5% APR reduction

Small business owner loansPersonal loans for sole proprietors up to $10,000

Month04

Graduate program

Credit-builder graduates get better rates

Launch a rewards program for borrowers who successfully complete our credit-builder loan. Graduates automatically qualify for 2-4% APR reductions on any future loan, plus expanded amount eligibility. Because good financial behavior should compound.

2-4% APR reductionAutomatic rate discount for credit-builder graduates on future loans

Higher amount tiersGraduates can borrow up to $7,500 (versus $5,000 standard)

Free financial coachingThree sessions with a certified counselor at no cost

Referral bonuses$50 credit for successful referrals, $100 for other graduates

Our principles

Three commitments we never break

Every feature and product we ship is tested against these three principles.

Cost transparency first

Every APR, every fee, every scenario cost visible before commitment. If we can't show it clearly, we don't ship it.

Credit growth by design

Every product must actively help borrowers build credit. If it doesn't, it stays off the roadmap.

Human safety net

Automated approvals are the default, but every hardship request goes to a real underwriter within one business day.

Want a loan today?

These features are coming, but our current lineup already saves borrowers thousands versus payday alternatives. Check your rate now — 2 minutes, no credit impact.

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