Grow Credit vs Oportun: Savings made easy Usage & Stats

With over 400,000 downloads, Grow Credit, featured on the 2022 Forbes Fintech 50 and recognized as one of America's most innovative companies, helps consumers build credit for free using their subscriptions, with no prior credit history required. Your credit score is different on Experian, Equifax, and TransUnion. Having a strong score on all three matters as mortgage lenders, car dealers, and credit card companies often review more than one to determine a consumer's creditworthiness. Grow helps you boost your credit score quickly on all three. Grow your credit with your subscriptions in three easy steps: - Apply for your Grow MasterCard. - Link your bank account. - Add your subscriptions: Netflix, Hulu, Spotify, or over 100 others. Your subscriptions will be billed to your Grow MasterCard, and we’ll automatically debit your bank account every month and report your progress to all three credit bureaus. A better credit score means lower interest rates on future loans, which could save you tens or even hundreds of thousands of dollars. Applying for Grow will not result in a hard credit pull and will not affect your credit score. The press raves about Grow: Techcrunch.com: Grow "is a pretty elegant way to solve a problem that’s a real barrier to entry for a large number of financial services. Credit scores can impact mortgages, the ability to receive small business loans, and a host of other services that are ways to boost economic opportunity." Creditcards.com: Grow is "a very useful tool for climbing the ladder and eventually qualifying for a better card." Nerdwallet.com: "The Grow Credit Mastercard is ideal for those with no credit or poor credit." Grow offers 4 plans: * Build Free - Reports a $204 credit line to Equifax, Experian, and TransUnion - $17 monthly spending limit - Option to upgrade to a Grow membership after 6 months of consecutive on-time payments - Cost: Free * Build Secured - Reports a $204 credit line to Equifax, Experian, and TransUnion - $17 monthly spending limit - Option to upgrade to a Grow membership after 6 months of consecutive on-time payments - $17 security deposit required - refundable after 12 consecutive on-time payments - Cost: $2.99 per month * Grow - Reports a $600 credit line to Equifax, Experian, and TransUnion - $50 monthly spending limit - Access to premium subscriptions, including your cell phone bill (AT&T, T-Mobile, Verizon, or Sprint) - Cost: $4.99 per month * Accelerate - Reports an $1,800 credit line to Equifax, Experian, and TransUnion - $150 monthly spending limit - Access to premium subscriptions, including your cell phone bill (AT&T, T-Mobile, Verizon, or Sprint) - Cost: $12.99 per month Additional Features: - Plan duration: 12 months - renewable. - Free FICO Score - Free credit education blogs and tutorials. We look forward to assisting you in your credit-building journey! Security: • Your data is protected with 256-bit encryption bank-level security and is never stored on your devices. This app is operated by Grow Credit, Inc. Questions or suggestions can be directed to behappy@growcredit.com.

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Oportun: Savings made easy

Rated best savings app in 2024 by Bankrate and Forbes Advisor. Reach your savings goals, big and small. Our savings app is built around you: your spending habits, your income, and when it makes the most sense for you to save money. We’ve taken the stress out of saving by automatically putting aside your money toward custom goals that you set. Little by little, and day by day, it adds up faster than you think. Our members save over $1,800 per year on average*. Formerly known as Digit, our finance app helps you save without thinking about it and budget smarter. Have a loan through Oportun? We’ve also added the ability to check your balance, make payments, set up recurring payments, and more. If you’re ready to borrow money, please visit Oportun.com to apply for a personal loan. SAVE MONEY EFFORTLESSLY From setting up an emergency fund to saving for regular monthly bills, Oportun can help you manage your finances. We learn your spending habits and save personalized amounts that add up fast. Set your savings goals with how much and by when, and we’ll help you get there. If you don’t have specific goals, save toward a Rainy Day Fund and have savings on hand for whatever comes your way. Use our money-saving app as a progress tracker for your financial goals, and watch your finances improve over time. Your money, your rules: You’ll give us guidance on how to save for you, and you can move your money from the app back into your linked bank account whenever you want. HOW IT WORKS 1. Get set up in minutes by linking your bank account to the app, and setting savings goals 2. We learn your spending habits and income to find smart times to save amounts you can afford 3. We’ll get to work saving toward your goals little by little by automatically pulling from your connected bank account and into the app GET STARTED WITH A FREE TRIAL See how much you can save with a 30 day free trial of our savings app. After that, enjoy effortless savings for just $5/month. Cancel your subscription anytime. Available in English and Spanish. TRUSTED AND SECURE - Your savings funds are FDIC insured.** - We’ve helped our members save more than $1,800 per year on average* - Oportun has an A+ rating by the Better Business Bureau (BBB) MANAGE YOUR LOAN Do you already have a loan through Oportun? Easily and quickly manage it using our app. Make payments, set up autopay, and check the status of your loan at any time. The Oportun app is free for members to use for the purpose of monitoring and paying their loan. Looking to apply for a loan? Please visit Oportun.com or call (866) 488-6090. - - - - - - - Oportun offers personal loans in certain states through its partner Pathward ®, N.A. and those products are subject to credit approval. Standard data charges may apply when downloading the app. *Based on average saves of all paying app members in the prior 12 months. Not a guarantee; results will vary based on your income and spending. **Oportun is not a bank. Your savings funds are held at partner banks, Members FDIC. Funds are FDIC insured, subject to applicable limitations and restrictions. Oportun does not share information between its affiliates or partners without consumer consent or as otherwise allowed by law.