Spark your way
to better credit.
Spark helps you build payment trust and unlock access to credit with a simple $19.99 bi-weekly subscription.
$250 Loan
After 1 month of on-time payments you qualify for a $250 personal loan
$500 Loan
After 2 months of on-time payments you qualify for a $500 personal loan
$1,000 Loan
After 3 months of on-time payments you qualify for a $1,000 personal loan
Your financial growth toolkit.
Spark is more than just a subscription.
GUARANTEED LOANS
Every milestone payment unlocks a loan offer.
BLOOM APP
With Spark you get access to our Bloom budgeting app.
OSCAR AI
Oscar AI is your own personal financial assistant, free with Spark.
CREDIT MONITORING
Know exactly where your credit stands with Equifax.
Here's how Spark works.
Subscribe
Get access to budgeting tools, credit monitoring, and expert support for just $19.99 bi-weekly.
Build trust
Maintain your subscription and make payments on time to qualify for progressively larger loans.
Get funded
Unlock loans from $100 to $1,000 and improve your credit with every successful repayment.
When lenders say
no, Spark says
let's go.
Tired of getting declined because of missing steps or limited credit history? Spark is built for people just like you.
Compare
Traditional
Loans
Requires full credit profile
Builds toward future loans
Monthly credit coaching
Incomplete ID/Banking
Start building your financial future today.
Your first step to unlocking real loans starts now.