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Steady Build

Build credit with
steady progress.

A 24-month credit-building programme designed around simple, regular payments and clear terms from the start.

$14.99 per month for 24 months. 0% annual interest. $0 cost of borrowing.

Programme details

Steady Build has a total programme price of $359.76 CAD. It is financed over 24 monthly payments of $14.99, with a 0.00% annual interest rate and $0.00 cost of borrowing.

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What is Steady Build?

A structured way to build a stronger payment routine.

Steady Build is a 24-month credit-building programme. It does not provide a cash payout at the end of the term. Instead, it gives you a clear, fixed payment schedule to follow.

01

A clear fixed price

The programme price is $359.76 CAD, paid over 24 monthly payments of $14.99. The total of payments is the same as the programme price.

02

No interest added

The annual interest rate and annual percentage rate are 0.00%. There is $0.00 cost of borrowing across the full 24-month term.

03

Built around consistency

Each payment is a small, scheduled step. Making payments on time may help you build positive payment history, although credit score changes cannot be guaranteed.

How it works

A clear route to building payment history.

Steady Build keeps the process simple: make regular payments and build a record of consistency over the 24-month term.

01

Understand the programme

The programme price is $359.76, financed over 24 monthly payments of $14.99 at 0.00% annual interest.

02

Make monthly payments

Make 24 monthly payments of $14.99. The total of payments is $359.76, with $0.00 cost of borrowing.

03

Build consistency

Making required payments on time can help establish a positive payment history. Individual outcomes vary.

Built for clarity

What you can expect from Steady Build.

Steady Build is designed to provide a structured, interest-free way to establish a record of regular payments, with the full price and payment schedule set out upfront.

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  • Interest-free payments

    No interest is charged on Steady Build.

  • 24-month term

    The programme is structured as 24 monthly payments of $14.99.

  • 0% interest

    The annual interest rate and annual percentage rate are both 0.00%.

  • Results can vary

    On-time payments may help build positive credit history, but an increase in your credit score cannot be guaranteed.

Looking for a different path?

Steady Path

Steady Path is a separate deferred instalment loan with regular bi-weekly payments and a clear end-of-term payout.

  • $24.62 every two weeks
  • $1,040 payout at the end of the 2-year term
  • No cash advanced upfront
  • Cancel anytime, with no cancellation fee
Explore Steady Path

Common questions

Good to know before you apply.

Want a deeper look at how Steady Build works? Explore the FAQ or contact us.

The cash and financed programme price are both $359.76 CAD. The credit amount and total of payments are also $359.76 CAD.

The payment schedule is 24 monthly payments of $14.99.

The annual interest rate and annual percentage rate are 0.00%. The cost of borrowing is $0.00 CAD.

Making payments on time may help build positive credit history. Credit scores are determined by credit reporting agencies using many factors, so an increase cannot be guaranteed.

Ready to get started?

Build with clear terms.

24 monthly payments of $14.99. 0.00% annual interest. $0.00 cost of borrowing.

Apply for Steady Build