Welcome to Credit 101

What is credit?

Credit is money being lent to you to make purchases with an agreement to pay it back later, usually with interest.

How do I get it?

You apply for credit with a lender by phone, mail, online or in person. Decisions can take as little as 30 seconds or up to several weeks.

How does it affect me?

Using credit responsibly will strengthen your credit history and convey your financial trustworthiness to future lenders and potential employers.