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What is Yobiz?

Yobiz Selflending is a financial technology company with a mission to help people build credit, particularly those who are new to credit or who might not have access to traditional financial products. 

Right now, we do this through offering our Credit Builder Account, which is an installment loan that enables people to build positive payment history (if they make their monthly payment on time) while they save money for a rainy day.

Here’s how it works: 

  • Apply for a loan that’s held by our bank partners. Your money is secured and protected in a bank account.1 

  • Pay off the loan in 12-24 months.* You can choose a repayment plan that fits your budget.

  • Each payment builds credit history and adds to your savings. Your payments are reported to all five credit bureaus. Watch the 1-minute video below for a brief explanation of how the Yobiz Selflending Business Credit Builder Account works.



*Sample products are $275 monthly loan payment at a $2,775 loan amount with a $275 administration fee, 24 month term and 15.52% Annual Percentage Rate; $385 monthly loan payment at a $3,885 loan amount with a $385 administration fee, 12 month term and 15.65% Annual Percentage Rate; $499 monthly loan payment at a $5,999 loan amount with a $499 administration fee, 12 month term and 15.21% Annual Percentage Rate; $1,150 monthly loan payment at a $12,150 loan amount with a $1,150 administration fee, 12 month term and 12.37% Annual Percentage Rate.

**Credit scores will only be available to customers who our third-party vendor is able to validate.

1 Credit Builder Account — proceeds are held in a certificate of deposit (CD) account until maturity 

1. All Credit Builder Accounts made by Lead Bank, Member FDIC, Equal Housing Lender, Denver Community Credit Union, N.A. Member FDIC, Equal Housing Lender or Young American Bank, N.A. Member FDIC, Equal Housing Lender. Subject to ID Verification. Individual borrowers must be a U.S. Citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to consumer report review and approval. Results are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report. All loans subject to approval. All Certificates of Deposit (CD) are deposited in Lead Bank, Member FDIC, Denver Community Credit Union, N.A., Member FDIC or Young Americans Bank, N.A., Member FDIC

Lead Bank. Member FDIC, Equal Housing Lender

Denver Community Credit Union, N.A. Member FDIC, Equal Housing Lender

Young Americans Bank, N.A. Member FDIC, Equal Housing Lender

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