Your Earnings Are Your Credit Score
Kredelo uses your gig platform data to give you the credit line you actually deserve — no W-2 required.
•••• •••• •••• 4821
Cardholder
Maria Santos
Expires
12/28
Connecting earnings data from
Traditional Bank
DECLINED
Insufficient credit history
Kredelo
APPROVED
$2,500 credit limit
Based on verified platform earnings
Banks Weren't Built for How You Work
Traditional banks use W-2 income and credit scores to make lending decisions. That system wasn't designed for the 60M+ Americans earning through gig platforms.
- Irregular income flagged as "unstable" — even when you earn $4K/month
- Thin credit files mean automatic denials — regardless of work history
- No way to prove future earnings — banks only look backward
How It Works
Three steps to a credit line that reflects your real earning power.
Connect Your Platforms
Securely link your Uber, DoorDash, Lyft, or other gig accounts. We pull your earnings history — read-only, never your login.
We Predict Your Income
Our models analyze your earnings patterns, consistency, and growth to forecast your future income with confidence.
Get Your Card
Receive a credit limit based on what you're actually earning — not what a credit bureau says about your past.
Built Different
Everything a gig worker needs from a credit card — and nothing they don't.
No Credit Score Required
We look at your earnings, not your FICO. Perfect for thin-file or no-file borrowers.
Instant Decisions
Connect your platforms and get approved in minutes — not days or weeks.
$0 Annual Fee
No hidden fees, no annual charges. You keep more of what you earn.
Dynamic Limits
Your credit limit grows as your earnings grow. Work more, access more.
Bank-Level Security
256-bit encryption, real-time fraud monitoring, and instant card freeze from your phone.
Auto-Repay Option
Set up automatic payments from your gig earnings. Never miss a payment again.
Gig workers in the US
Annual gig economy market size
Denied affordable financial services
Who It's For
Real situations. Real earning power. Finally recognized.
Maria
DoorDash + Uber$3,800/mo
“I drive 40 hours a week and earn more than my friends with office jobs. But no bank will give me a real credit card.”
Denied twice for insufficient credit history despite consistent $3,800/mo earnings.
James
Uber + Instacart$4,200/mo
“I need a credit card for gas and car repairs. The payday loan cycle is killing me.”
Stuck using a 29% APR subprime card because traditional banks won't look at gig income.
Priya
Lyft + DoorDash$3,100/mo
“I moved to the US two years ago. No credit history here, but I work every single day.”
Thin credit file from recent immigration — zero credit offers despite steady work.
* Personas represent typical gig worker profiles
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