Skip to main content
Back

Can you get a Line of Credit with bad credit?

FinWise Bank does not enforce a fixed minimum FICO® or VantageScore threshold for applicant eligibility. Rather than relying solely on traditional credit scoring models, creditworthiness and overall eligibility are thoroughly assessed by evaluating alternative credit bureau data (such as information from Clarity Services) alongside transactional banking history and direct-deposit income records.

California Residents, view the California Disclosures and Privacy Policy for info on what we collect about you.

Fees

Cash Advance Fee

10% of the amount of each Cash Advance. (This fee is a Finance Charge).

Carried Balance Fee

Assessed each Billing Cycle based on the Carried Balance and the outstanding Average Daily Balance. (This fee is a Finance Charge).

Average Daily Balance Billing Cycle Charge
Biweekly Semi-Monthly Monthly
$0.00 - $25.00 $0 $0 $0
$25.01 - $250.00 $14 $16 $23
$250.01 - $500.00 $28 $31 $62
$500.01 - $750.00 $36 $39 $79
$750.01 - $1,000.00 $52 $57 $114