Employees can build credit when they use the Rain Credit Builder Card.
Turn everyday spending into positive credit history using wages your employees have already earned. Help your workforce build credit without turning to predatory payday loans.
Without credit, daily life is harder and more expensive apartments, utilities, car rentals. 61% have turned to payday loans to cover temporary cash shortages, which don’t build credit and don’t build futures.
Solution
A simple way to build up a credit score
53% of Rain users don't have a credit card. The Rain Credit Builder Card is the first of its kind in the competitive EWA space.
No hard credit check
No repayment risk
No annual fees
How the Rain Credit Builder Card works
Step 1: Purchases draw from the employee’s EWA balance
Every purchase draws directly from the employee’s EWA balance.
Step 2: Transactions are reported to the credit bureau for positive reporting
Every transaction reports to credit bureaus and moves their score forward.
Step 3: Same as EWA — deducted each pay cycle. No risk of missed payments.
Works exactly like EWA — deducted each pay cycle. No missed payments and no debt risk.
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