The Foundation

Credit building on
auto pilot.

Grow credit, save $750, guaranteed results... all in 12 months.

Success guaranteed.

We believe everyone deserves the right to fair priced financial products. The Foundation is the first step to building your credit and improving your financial health.

Step 1

Sign up for
The Foundation

The Foundation is available to everyone regardless of credit history, income or debts. 100% approval rate.

Step 2

Build Your
Credit

Make small bi-weekly payments over 12 months with each payment getting reported to the credit bureaus.

Step 3

Access the
Evergreen Loan

Completing The Foundation guarantees you approval for an Evergreen Loan, a $1,500 cash advance at 18.99%.

Build credit

  • We report every single payment to the credit bureaus allowing you to build credit right from the first payment.
  • Enjoy greater financial freedom and access premium credit products such as credit cards or a mortgage with your improved credit.
  • As your credit improves you will begin to qualify for lower interest rates which can save you thousands of dollars.

Grow savings

  • Over half of every bi-weekly payment you make is automatically saved for you.
  • Access your savings at any time to help pay for bills or even cover your bi-weekly Foundation payment.
  • At the end of the 12 month program you will have $750 available in your savings.
Get Rewarded

Automatically qualify for a $1,500 Evergreen Loan.

Once you’ve completed The Foundation you are guaranteed access to the Evergreen Loan - a $1,500 cash advance at 18.99%. Use the funds for whatever you like and continue to build credit.

Learn More

Good Credit Matters

Improving your credit can help you get approved for lower interest rates, which can save you thousands of dollars.

Auto Loan
  • Amount: $20,000
  • Duration: 60 Months
Poor Credit
Interest Rate 32.99%
Monthly Payment $684.27
Total Interest Paid $21,056.46
Fair Credit
Interest Rate 15.00%
Monthly Payment $475.80
Total Interest Paid $8,547.92
Good Credit
Interest Rate 5.99%
Monthly Payment $386.56
Total Interest Paid $3,193.78
Save $17,862.68 On interest over 60 months
Mortgage
  • Amount: $450,000
  • Duration: 25 year amortization, 5 year term
Poor Credit
Not Approved
Fair Credit
Interest Rate 12.99%
Monthly Payment $4,974.38
Total Interest Paid $289,813.08
Good Credit
Interest Rate 2.44%
Monthly Payment $1,764,04
Total Interest Paid $51,720.63
Save $238,092.45 On interest over 5 year term
Personal Loan
  • Amount: $1,500
  • Duration: 18 Months
Poor Credit (Payday Loan)
Interest Rate 400.00%
Monthly Payment $502.83
Total Interest Paid $7,551.03
Fair Credit
Interest Rate 40.00%
Monthly Payment $112.16
Total Interest Paid $518.87
Good Credit
Interest Rate 8.99%
Monthly Payment $89.39
Total Interest Paid $109.01
Save 7,442.01 On interest over 18 months
Values are illustrative of each respective credit tier. Actual rates may vary.

It’s easy.
It works.

We’ve helped thousands of Canadians improve their credit and access fair financial products.

FAQs

  • Who needs The Foundation?
  • Why do I need good credit?
  • How does The Foundation build credit?
  • How is this going to help me when I need money right now?
  • Can I cancel The Foundation?