A secured card built for everyday people

Let’s make (credit) history together!

It’s never too late to rebuild or improve your credit. We’re more than just a product, we’re here to guide everyday people on their financial journey.

Take the first step and sign up today, we’re here for you every step of the way.


Build your credit with our
secured card

Accepted everywhere

A credit card for everyday people. Use your secured card everywhere that Visa is accepted.

Complimentary credit education

Our team of credit coaches are here to guide you on your financial journey from beginning to end.  

Reporting to two credit bureaus

We make sure that each positive payment record is reported to two major credit bureaus.

Use our secured credit card to pay bills

Pay your bills while building your credit on our convenient and secure environment. 

How it works

  • Apply Online

    With a piece of valid government-issued ID, apply and get approval in 5 minutes.

  • Use Your Card

    Upload your initial deposit of at least $300, and start  spending anywhere VISA is accepted. 

  • Rebuild Your Credit

    Be your best financial self and improve your credit health with regular on-time monthly payments.

A credit card for your everyday.

EP Financial believes everyone deserves access to credit and a chance to be their best financial self.

Our team is dedicated group of experts here to help you make your credit health a priority.

EP Financial Client

A fresh start for a new financial you

All you need is a valid piece of government-issued ID and you’re all set to apply.