Build Your Credit with the Home Trust Secured Visa
A deposit-backed Visa card that reports to both credit bureaus — helping you build or repair your credit score with every on-time payment.
Get the KOHO Mastercard
A prepaid Mastercard with no credit check, no monthly fees, and instant approval. Spend, save, and build credit all in one card — accepted everywhere Mastercard is.
Get the Card →Sponsored · No credit check · Instant approval
Build Your Credit with KOHO
A Canadian spending account that helps you build credit history — no credit check required. Thousands of Canadians use KOHO alongside Credit Advise to rebuild their credit faster.
Get KOHO Free →Sponsored · No hidden fees · Instant approval
Build Your Credit with the Secured Neo Mastercard
Get a $25 account credit when you meet the spend requirement.
Secured Neo Mastercard. Apply online in minutes and start building your credit.
Apply Now →Sponsored · Omni Loans is an affiliate referral partner of Neo Financial. Approval is decided by Neo Financial. Terms and conditions apply.
Personal loans up to $35,000. Apply online in 3 minutes with Spring Financial.
Apply Now →Sponsored · Omni Loans is an affiliate referral partner of Spring Financial. Approval, loan amounts and terms are decided by Spring Financial. Terms and conditions apply.
Two Options — One Application
Both plans build your credit. Pick whichever fits your budget.
1 To qualify, applicants must have a source of income and cannot currently be in bankruptcy and are subject to other terms and conditions including validation of ID and applicable Know Your Client requirements. Applicants must be at least the age of majority in the province/territory where they reside. Rates and fees subject to change without notice. 2 Certain restrictions, limitations and exclusions apply. The Visa Zero Liability policy protects Visa cardholders who have a Canadian issued Visa card and experience fraud through unauthorized use of their card. Visit visa.ca for more information. The Home Trust Secured Visa is not available to residents of Québec. Omni Loans is an affiliate referral partner of Home Trust. We may receive compensation for approved referrals.
Ready to Get Started?
Apply in 3 minutes. Get funded as soon as today. No obligation.