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.
Our AI Determines Your Credit
Our deep learning AI models analyze your earnings patterns, consistency, and growth to determine your future credit limit with high 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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