Borrow Money.

Build Credit.

Lenny helps you earn a credit score you're proud to share!

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Instant approval at low-interest rates!

Staying true to our mission, applying will not hurt your credit score.
Start building

Join over 30,000 people who have already taken the first step toward a better future.

Lenny Credit - Signup Steps

Sign Up in Just 3 Minutes

Get approved instantly for a credit line between $100 - $1000 at interest rates as low as 7.8% APR.

Access your Credit Line Instantly!

Transfer money, instantly, from your Lenny credit line to your bank account or debit card.

Watch your Credit Score Grow!

Lenny guides you toward a great credit score while rewarding you with balance increases for good behavior.

As Seen In

Build Credit. Earn Rewards.

Earn Points

Earn Lenny Points for taking actions to improve your credit score.

Balance Increases

Use Lenny Points to unlock balance increases for your Lenny credit line.

Lenny Credit Phone

Instant Access To Funds

Instantly transfer funds from your credit line to your bank or debit card.

Partner Offers

Access our partners’ offers for products to fit your other financial needs

People love Lenny Credit!

Over 30,000 people give Lenny a 94% satisfaction rating!

Watch Video Reviews — 30 seconds

“I've been using Lenny for a little over a year now. Before this, there's no way I would get approved for a credit card – now I have two new credit cards and was approved for a low percentage car loan recently. I love this app!”

Lindsey M.Real Estate

“I’m finally making progress on building my credit history. Lenny is a great solution to a growing problem.”

Austin Ryde

“I'm so happy a friend referred me to Lenny. Last year, renting an apartment was difficult. Thanks to Lenny, this year it was easy.”

Devin FullerUCLA Football Star

“As a foreigner, this app is amazing. I haven't been in the US for all that long and am going through the process of building my credit. Lenny has given me the tools to understand that process, expedite it, and maintain a healthy FICO score.”

Leonardo O.Expat

“I just wish I knew about this app before wasting thousands on credit repair and other methods to improve my credit score. Within about two months of using Lenny, my score went from a 492 to a 653.”

Jeff H.App Store Review

Be Confident in Your Future for Just $2/month

For less than the price of a parking meter, you can save tens of thousands of dollars during your lifetime.

Instant Approval

Sign up in just three minutes and access your credit line instantly.


Rates as low as 7.9% APR, even if you have no credit history.

Free Credit Score

Access to your official FICO® Score for free!

Transfer Anytime, Anywhere

Withdraw from your credit line whenever, wherever.


We offer personalized guidance to help your make the most of your current credit score.

Learn Credit

Take charge of your future with our free financial education tools. Knowledge is power.

The first credit line

created specifically to help build your credit score.

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Lenny Credit iPhone iOS App for building credit

Learn with Lenny

Credit education they didn’t teach you in school.

Tips to Improve Your Credit Score

If it’s that simple, then why is getting a high score so hard? Learn the ins and outs of building credit all in one place.

How to Use Credit Cards Wisely

Credit cards are the easiest way to establish and build a good credit score, so consider these ways to use your credit card wisely and reap the rewards.

Everything You Need to Know About Personal Finance

Being knowledgeable about money management, budgeting and finance is no guarantee of success in life. But ignorance about such concepts often comes at great cost.

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