Building credit can feel like a catch-22: you need credit history to qualify for credit, but you need someone to give you a chance to build that history in the first place.
Kalsee has options designed to help members establish or rebuild credit and create a stronger financial foundation. Talk with us about where you are today, and we’ll help you find the option that fits.
Starter Visa1
Start building credit with a card designed for first-time borrowers.
If you have little or no credit history, a Kalsee Starter Visa can help you begin establishing credit while keeping your available credit manageable.
- Available with a $300 or $500 credit limit
- Designed for members with no or limited credit history
- Requires an active Kalsee checking account with direct deposit
- Automatic payments help make staying on track easier
Secured Visa2
Build or rebuild your credit using savings as security.
A Kalsee Secured Visa gives you the convenience of a credit card while funds in your Kalsee account secure your credit line. It can be a good option if you’re establishing credit for the first time or working to rebuild your credit history.
- Credit limits from $300 to $20,000
- Your credit line is secured by funds in your Kalsee account
- Designed to help establish or rebuild credit
- Gives you a way to use credit while keeping savings available as collateral
First-Time Auto Borrower Program3
Your first auto loan doesn't have to wait for years of credit history.
Ready for your first vehicle loan but haven't had an auto loan before? Kalsee's First-Time Auto Borrower Program is designed to give qualified members with limited credit experience a path toward financing a vehicle and building their credit history along the way.
- Financing available for qualified first-time auto borrowers
- Loan amounts up to $30,000, depending on qualifications
- Vehicles may be up to 8 years old with up to 80,000 miles
- Designed for members without previous auto lending history
- Active Kalsee checking with direct deposit and automatic loan payments required
Not sure where to start?
The Empowerment Edit
1 Subject to credit approval and eligibility requirements. Starter Visa credit limits are $300 or $500 based on qualification. Active Kalsee checking account with direct deposit and automatic payment from a Kalsee account required. Additional restrictions may apply. Membership eligibility required.
2 Subject to credit approval and eligibility requirements. Credit limits range from $300 to $20,000. Funds in a Kalsee account must be pledged as security for the credit card. The required pledged amount is the greater of $100 above the approved credit limit or 125% of the credit limit. Pledged funds may be unavailable for withdrawal while securing the account. Additional restrictions may apply. Membership eligibility required.
3 Subject to credit approval and program eligibility requirements. Maximum loan amount is $30,000 and varies based on borrower qualifications. Vehicle age, mileage, loan-to-value and other restrictions apply. Active Kalsee checking account with direct deposit and automatic loan payment from a Kalsee account required. Rates and terms vary based on creditworthiness and other factors. Membership eligibility required.