In development
Secured credit card
A deposit sets your limit. Spend lightly, pay your statement on time.
Explore the secured cardHow it works
How Evolve Capital Credit is designed to work
From your first visit to the day you see your progress, here’s the journey we’re designing, and what has to happen before any of it goes live.
Your journey
Five steps, with no surprises
Each step is designed so you know what will happen next and why we’re asking for anything we ask for.
- Step 1
Learn and compare
Read how each product works, what it costs and what you get back. Every fee, rate and term will be published here before applications open.
- Step 2
Check eligibility
See the requirements up front, including age, residency and the provinces we serve, before you share anything personal.
- Step 3
Apply and verify your identity
Create your account, then confirm who you are through a trusted identity-verification provider and review every consent individually.
- Step 4
Use, pay and stay on track
Manage everything on the web or in the iOS and Android apps, with reminders that help you pay on time.
- Step 5
See your progress
Eligible customers will be able to follow their credit score with planned credit monitoring at no extra cost.
Choose your path
Two ways to build, one way to track
Start with the product that fits your situation. Not sure? Our guide compares them side by side.
Secured card vs credit builder loan In development
Credit Builder Loan
Fixed payments that build toward funds you receive at the end of the term.
See the Credit Builder Loan Planned benefit
Credit monitoring
Follow your score and alerts, planned for customers with an eligible active product.
About credit monitoringGood to know
Signing in, applying and verifying are separate steps
We keep these apart on purpose, so you always know what you’re agreeing to.
Signing in
Sign in with Google or with your email address. Signing in only gives you access to your account. It isn’t an application and never gives us permission to check your credit.
Applying
You choose a product and review its terms, costs and consents. Each consent is asked for separately and nothing optional is pre-selected.
Verifying your identity
Confirming who you are is a regulated step handled with a specialist provider. We’ll tell you which provider and what they check before you start.
Before launch
What has to happen before we open
Working software isn’t the same as a ready financial product. These steps come first, and we’ll only open applications once every one is complete.
Where we are today- Legal and regulatory review of each product in every province we plan to serve
- Any required licences or registrations
- Signed agreements with a card issuer, credit bureaus, an identity-verification provider and a payments provider
- Approved disclosures, agreements and a published fee schedule
- A reviewed privacy policy and consent process
- Independent security testing
See the application steps for yourself
Our application preview walks through each step with sample information. Nothing is submitted.