Put progress within reach

We make it simple and safe to see if you qualify. When you submit our prequalification form, we perform a soft credit inquiry, which does not impact your credit score.

If you prequalify, you'll immediately see your card terms before you submit a formal application. This gives you the full picture so you can decide if the offer is right for you.

A hard credit inquiry is only performed if you accept your prequalified offer by submitting an application and are approved for a card. That means there is no impact to your credit score if you're declined.

The security deposit is the foundation of your secured card. It's a requirement that makes the card low-risk and allows us to approve your application when you’re attempting to build or rebuild credit.

Your Line, Your Deposit: The amount you deposit (e.g. $500) instantly becomes your starting credit limit, putting you directly in control of your spending power.

It's Refundable, Not a Fee: The money is held as security, and it is fully refundable if you close your account at any time and pay your remaining balance.

With the Mission Lane Secured Visa, you have control over your starting credit line.

Credit Line Equals Deposit: Your credit line is equal to the amount of your refundable security deposit.

Choose Your Line: We offer a range of credit lines, from $200 to $1000. You decide how much to deposit within that range, and that amount becomes your starting credit limit. This gives you the clarity and control you need to set your own spending boundaries.

Automatic Credit Line Increase Reviews: The goal of a secured card is to help you build financial freedom. Once you get your card, we automatically review your account for a credit limit increase in as few as 7 months.

We provide the flexibility for you to start where you feel comfortable and a clear path for you to grow that limit over time.

If you are approved and fund your security deposit, your physical card should arrive at your mailing address within 7 to 10 calendar days.

The Mission Lane Secured Visa card is an excellent tool for building credit because it is designed to report to all three major credit bureaus.

Here's how it helps:

Credit Reporting: We report your activity (like your on-time payments) to all three major credit bureaus every month, which helps establish a solid payment history.

Credit Limit Increases: We automatically evaluate you for credit line increases over time, which can help you keep your credit utilization ratio low and boost your score.

Credit Mix: Having a revolving credit account on your profile can also positively contribute to your credit mix.

Paying bills on time, keeping your balance low, and having a long credit history, among other things, can also help your chances of improving your credit.