Your circle already works. Squad Card is the credit line built for it.
A tanda in Los Angeles, a susu in Brooklyn, a kye in Koreatown, a chit fund back home: rotating savings circles are the oldest credit system there is, and banks have never known how to read them. Squad Card is designed to give a circle one shared line, a private lane per member, and a record a bank can understand.
Free. No card needed, and joining never touches your credit. Early access is open; your squad saves your seat.
- Cash changes hands in person; nothing is reported to a bureau.
- The organizer carries all the risk and gets none of the credit.
- When a member needs a bank, the years of perfect circle payments count for nothing.
- 1Bring the circleUp to four members per squad. Each confirms their email, checks their Experian score free, and connects a bank if they want income to count. Bigger circles form more than one squad.
- 2One line, private lanesThe squad is assessed as a group. Each member spends in their own lane and is responsible for it. The shared reserve works the way the pot always did: released by agreement.
- 3Trust becomes a recordOn-time lanes, covered payments and reserve votes are designed to build a history each member owns.
| Squad Card | A cash circle | |
|---|---|---|
| What builds credit | Designed so each lane reports for its owner | Nothing; the circle is invisible to bureaus |
| Who carries the risk | Each member their own lane; a capped share of the reserve if they voted for it | The organizer, and whoever is last in the rotation |
| What a bank can see | A group assessment and each member's lane history | Nothing |
Check your Experian score free and start your squad today.
Join with a first name and an email. Confirm it, invite the people you trust, and see your Experian® VantageScore® 3.0 on your own Squad dashboard. Soft inquiry, no card, no cost.
- Free Experian score and report while you wait
- Your own invite link and QR code; every friend moves you up
- Squad Score estimate once two members verify
- Connect a bank through Plaid so income counts too
Questions people ask
Does Squad Card replace our circle?
It does not have to. Many members will keep the circle for savings and use the squad for credit. What the squad adds is a record and a line the circle never had.
Do all four members need a Social Security number?
Checking a credit file with the bureau requires the details a bureau uses to find it. Members who cannot be found on a file can still hold a seat on the waitlist; how such members are assessed at launch will be published with the program terms.
Can a circle of ten join?
A squad holds four seats. A circle of ten forms three squads, and members can invite the rest through their own links.
Is Squad Card available now?
Not yet. Squad Card is on a waitlist while we finish the program with our issuing bank partner. Joining the waitlist saves your seat, lets you form your squad, and gives you a free Experian score and report while you wait.
Does joining the waitlist affect my credit?
No. Joining takes a first name and an email. If you choose to check your free Experian score, that is a soft inquiry you initiate yourself; it never appears to lenders and does not change your score.
What does it cost?
The waitlist and the free Experian score cost nothing and require no card. Card pricing, credit lines and terms will be published when the program launches and depend on approval by the issuing bank.