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Lenny - Build Credit & Free Credit Score

  • Finance
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► With over 10,000 installs, Lenny is the platform trusted by millennials to build or improve their credit scores by instantly borrowing as little as $50 and up to $1000.

► What the world is saying: "Lenny can help build your credit score." "An increasing number of financial technology startups are reinventing the lending business with a model that promises to help borrowers and build their credit at the same time."

Tech.Co: “With nearly an entire generation effectively ignoring their credit score, the need for a way to productively build credit is higher than ever before.”

► Get approved in under 3 minutes.

► Earn Lenny Points monthly by mastering your credit management skills. Use them to unlock balance increases as well as unique offers from brands and financial partners.

► Enjoy your FICO® Score for Free monthly!

► Awards and Recognitions

*Finalist to the 2016 JPMorgan Chase Financial Solution Lab.
*Selected for the SXSW 2016 Fintech Showcase in Partnership with Paypal.
* 2016 Startup of the year finalist.

► How it works?

Lenny uses various key metrics including your educational background to offer you the rates you deserve. We strongly believe in full transparency and no hidden fees! Applying for a Lenny Credit Line does not affect your credit score.

Use the funds any way you want, cash out instantly to your bank account, send money to friends, consolidate debts, purchase textbooks or pay rent.

* Get balance increases of up to $1000 quarterly or up to $300 for students.
* No hidden fees
* Use your unique referral code to invite friends and you will both earn $5.
* Make on-time payments and watch your credit score grow.

Lenny cares about students.
Since building a credit history at an early age is essential, Lenny offers initial credit lines of up to $500 upon approval.

Lenny uses bank-grade security systems and data encryption to protect your financial information.

*Send money for free & overnight bank transfer features are available to all US residents.
​*Lenny credit lines are currently exclusive to California residents. Check back often as we will be rolling out in other states shortly.

Lenny is a licensed lender in the State of California. All credit lines subject to approval. Rates and terms will vary. Terms and conditions apply. Get more financial education resources at

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Notice to California Customers: In California, Lenny's lines of credit are made pursuant to California Finance Lender License No. 60DBO-44695 issued by the California Department of Business Oversight and in accordance with the California Finance Lenders Law. California customers can contact Lenny by phone at 1-855-88-LENNY (53669), by email at, by mail at 1447 2nd Street Suite 200, Santa Monica, CA 90401, or at our website at FICO is a trademark of Fair Isaac Corporation