No gatekeeping or hidden fees. The Finu Card's built for beginners. No minimum score, interest payments, or credit history required.
PRODUCTS | FINU CARD
Start building better credit habits with the Finu Card.
The Finu Card¹
Getting started is easy
Stay on top of payments
Build credit over time
Better money
starts with smart decisions.
Give yourself control
Meet the card designed for progress, not paperwork.
No gatekeeping or hidden fees. The Finu Card's built for beginners. No minimum score, interest payments, or credit history required.
Skip the skipped payments. You decide your limit, not some random card company. Pay monthly with your deposit to avoid fees, or use Autopay for total ease.
Make payments pay off. Finu can help boost your credit and keep your balance low. Finu tells all the major credit bureaus whenever you make a payment, so they know you’re crushing it.
How the Finu Card works
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Get started easily.
The approval process is smooth. No hoop-jumping or credit history required.
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Add cash.
Add a security deposit to your account. That’s your credit limit. Use it to pay your balance.
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Spend.
Use your Finu Card like any card. Pay for bills, gas, food, or coffee runs. Whatever you're into.
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Start building credit.
Finu reports your payments to help build your credit history over time.
The final boss of money chaos
Build better money habits with every payment.
Finu's here to protect your funds.
Encrypted
Protected by 256-bit encryption. Finu processes your uploaded statements securely, every time.
Bank-grade security
Your deposits are protected using bank-level security standards, so your money stays safe while you build credit.
No third-party tracking
We’d never sell your data to a third party. That’s just rude.
FAQs
A secured credit card is a type of credit card that requires an upfront security deposit. The security deposit acts as the limit and can be used to pay off the balance at the end of the month. These types of cards are great for people who want to build credit but don't qualify for a traditional credit card due to a low credit score or credit history. The Finu Card is a secured credit card built for exactly that.
Good credit basically makes your life easier and cheaper. Lenders, landlords, and even potential employers all care about your credit score, because they want to work with people who have a proven track record of responsible borrowing. A good score means better approval odds for loans, rentals, and lower interest rates.
With traditional credit cards, a bank loans you money based on your credit score and history, and you pay interest on what you borrow. With secured cards, like Finu's, your limit is based on your security deposit, with no interest charged.
Your credit limit is set based on how much you add to your security deposit. If you add $200, your credit limit will be $200.
Finu reports your payment activity to major credit bureaus on a regular basis, helping your on-time payments count toward your credit history.
Outstanding balance owed: This is the balance remaining at the end of the month. If you paid off your balance, your outstanding balance owed will be $0.
Payment status: This is whether or not you paid last month’s statement.
Current balance: The amount you have spent during a statement cycle that is owed on the due date for that statement.
The highest credit: The highest statement amount, aka your most credit you’ve ever used.
Utilization: Finu doesn’t report percent utilization because the Finu Card has no preset credit limit.
The minimum age needed to apply for the Finu Card is 18 years old.
Finu is available worldwide, except in regions restricted by law. You'll need a valid ID, birthdate, and address in your country of residence to be approved.
Get Finu for free now.
1Finu is a financial technology company and is not an insured bank. Finu Card eligibility, issuer, and approval disclosures apply.
*Finu Card eligibility, issuer, and approval disclosures should be updated here.
2Credit outcomes vary based on individual behavior and credit profile.