SECURED CREDIT
Build a flexible and scalable secured credit program.
Galileo enables some of the most successful secured credit programs in the US and beyond, allowing businesses to help consumers build credit with confidence. Whether you're launching a secured credit card or enhancing an existing program, our flexible platform delivers the tools and expertise needed for success.
Customize your program
Create, launch and scale a secured credit program with market-tested APIs.
Galileo provides the building blocks for businesses to launch secured credit programs with the flexibility to support both traditional models and dynamic funding.
Galileo’s infrastructure supports real-time funding adjustments, transaction monitoring, and robust reporting to ensure a frictionless experience for businesses and consumers alike.
Dynamic Funding
Secured credit designed to meet diverse credit needs.
Galileo Secured Credit with Dynamic Funding allows consumers the benefit of a secured credit card without having to tie up funds in a collateral account. With our dynamic credit limit feature, funds are only held based on purchases made—out of an existing DDA account—to alleviate the need to hold more money than required if the full approved credit line is not being used. This frees up more funds for your customers for paying other bills or emergency payments as they arise.
Accessible Credit
Serve more customers with secured credit.
Lack of credit, thin credit, and poor credit can be barriers to financial independence. Galileo’s Secured Credit with Dynamic Funding offers a more flexible, modern approach to secured credit—allowing funds to adjust dynamically based on spending patterns while maintaining security and control.
Traditional Secured Credit
Go with the traditional or modern model.
With traditional secured credit, cardholders deposit funds that serve as collateral for their credit limit. Each billing cycle, they must pay their balance in full, ensuring responsible credit use. Payments are reported to credit bureaus, helping customers improve their credit scores over time. Unlike traditional credit cards, Galileo’s secured credit charge card model does not allow users to carry a balance or incur interest, minimizing issuer risk.
Contact Us Today
Launch a secured credit program that drives financial access and growth.
