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Start building your credit today.

Bad credit or no credit, there are Canadian programs that will take you without a hard credit check. Pick one below and get going.

Start Building Credit I Want a Credit Card

What bad credit actually costs you

Same truck. Same 5-year loan. Different credit score.

Good credit
$531
per month at 9.99%
Poor credit
$807
per month at 29.9%
$16,575 That's the extra interest you'd pay on the exact same vehicle.

Illustration only, based on a $25,000 loan over 60 months. Your actual rate depends on the lender and your credit profile. This is not an offer of credit.

Pick one and start

Four Canadian programs. All of them report your payments to a credit bureau, which is how a credit history gets built.

KOHO Credit Building

Start here

The easiest way in. KOHO states there's no application and approval is guaranteed.

  • No hard credit check, no deposit, no application
  • 0% interest, so there's no debt to fall into
  • Your on-time payments get reported to Equifax
  • Free credit score tracking built into the app
  • KOHO says 400,000+ Canadians have used it

From about $10/month. Paid plans (Extra $12/mo, Everything $14.75/mo) include 30–50% off the credit building fee.

Start with KOHO →

Neo Mastercard

A real credit card

If you need an actual card for a deposit, a booking, or buying online.

  • See what you're pre-approved for with no hard credit check
  • Rebuilding? You get the secured version, where your refundable deposit becomes your limit
  • Neo says you can qualify for a higher limit in as little as 3 months
  • Reports to both credit bureaus, like any normal card
  • 1% cashback on gas and groceries

$0 annual fee on the card. The Build membership ($7.99/month, free if you keep $5,000 across Neo accounts) is what turns on the credit-building features for the secured card.

Check If I'm Pre-Approved →

Spring Financial — The Foundation

You get money back

If you want structure and savings in your pocket at the end of it.

  • 12-month program. Spring states it approves all credit scores
  • Reported to both bureaus, Equifax and TransUnion
  • On the Gold tier, part of every payment is held in trust for you. That's up to $750 back after 12 months in good standing
  • Finish Gold and you qualify for a guaranteed $1,500 Evergreen loan offer
  • The Basic tier reports payments but has no savings and no loan offer. Check which one you're signing up for

About $74 every two weeks (Gold) or $37 (Basic). Spring confirms your exact payment before you enroll. Available in Manitoba and Ontario.

See The Foundation →

Borrowell — Free Credit Score

100% free

If you don't know your number yet. Costs nothing and takes 3 minutes.

  • Free Equifax score and full credit report, updated weekly
  • It's a soft check, so looking at it will not hurt your score
  • No credit card and no SIN needed to sign up
  • Over 4 million Canadians use it
  • Also offers Rent Advantage, which gets your rent payments reported to Equifax

$0. Free, permanently.

Check My Score Free →
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How it works

No trick to it. One small account, reporting every month.

1
Sign up Pick a program above. Most take a few minutes on your phone.
2
Make the payment A small amount each month. Set it to come out automatically.
3
It gets reported Every on-time payment goes to the credit bureau and builds your history.

Don't miss a payment. A missed payment pulls your score down the same way an on-time one builds it up, and some programs charge a fee on top (Spring charges $30). Only sign up for an amount you know you can cover.

What better credit gets you

Four things, all of them worth money.

A cheaper vehicleSame truck, lower rate, hundreds less every month.
Keys to a rentalMost landlords run a credit check before they hand them over.
No more depositsPhone, hydro and insurance stop asking for money up front.
A backup planWhen the transmission goes, you have somewhere to turn.

Quick answers

Will this hurt my credit score?

No. Borrowell, KOHO and Neo's pre-approval check all use soft checks, which don't affect your score. If you go on to apply for an actual credit card, that may involve a hard check. The company tells you before that happens.

Will my score go up, and how long does it take?

We can't promise it will. Credit scores are calculated by the bureaus using a lot of factors, and results are different for everybody. On-time payments reported over several months are the biggest thing in your control. Most people should expect this to take 6 to 12 months.

Can anyone erase the bad stuff on my credit report?

Not if it's accurate. Be careful with anyone who charges you money and says they can. If information on your report is wrong, you can dispute it yourself, directly with Equifax or TransUnion, for free.

Does any of this cost me anything with you?

No. This page is free and we never charge you a cent. Some of the programs charge their own monthly fee, which is paid to them, not to us.

Do I have to buy anything from MUFFLR or DNB?

No. This has nothing to do with your vehicle, your repair, or your bill. Using it has zero effect on your pricing or service with us, and neither does ignoring it.

How do you get paid for this?

The links on this page are referral links. If you sign up with one of these companies through our link, they may pay us a commission. It doesn't change your price and it doesn't affect your chances of approval. Commission amounts differ between these companies. We ordered this list by what's easiest to get started with rather than by what pays us most, and one of the four is free.

Start today.

Most people put this off for years. It takes about three minutes.

Start Building Credit Check My Score Free