Draft · Awaiting legal review
Important information
How to read this pre-launch website: what’s real, what’s illustrative and what’s still to be decided.
Awaiting approved legal text. This page is a placeholder that outlines what the final document will cover. It isn’t a binding policy or agreement, and it will be replaced before any product launches or any personal information is collected.
No products are available yet
Evolve Capital Credit is in development. The secured credit card, Credit Builder Loan and credit monitoring described on this website are not available, and nothing here is an offer of credit or a commitment to provide any product.
“To be confirmed” means exactly that
Fees, interest rates, the annual percentage rate (APR), deposit rules, payment amounts, terms, eligibility, the provinces and territories we’ll serve, and our partners have not been decided. Anything marked “to be confirmed” will be published only after legal and partner approval, and before you can apply.
Illustrations and demo data
- The Credit Builder Loan calculator is an illustration based on assumptions you choose. It isn’t a quote, an offer or a cost-of-borrowing disclosure, and its cost share isn’t an interest rate or APR.
- The matte-black card is a concept design. It doesn’t represent an actual card, card issuer or payment network.
- App screens, credit scores and account figures shown on this website are sample data and are labelled as demo or sample.
Credit reporting
We intend for our products to report payment history to credit bureaus, but no reporting agreements are in place. We won’t say that any product reports to a credit bureau until it does.
Third-party names
References to Equifax, TransUnion, the Financial Consumer Agency of Canada, Google and other organizations are for education and attribution only. They don’t indicate any relationship with, or endorsement by, those organizations. Their names and trademarks belong to their respective owners.
Educational content
Our guides are general information for people in Canada, not financial, legal or tax advice. Each guide lists its sources and shows whether it has been reviewed by a qualified professional.
Plans can change
This website describes what we’re planning. Product designs, features and timelines may change as we complete legal review and finalize partnerships.
Last updated .