Lenny is the platform trusted by Millennials to build their credit scores by borrowing as little $50. Earn Lenny Points (LPs) monthly by mastering your credit management skills. Use them to unlock rewards, such as balance increases and special offers from brands and financial partners.

Enjoy your FICO® Score for Free monthly!

Get approved in under 3 minutes.

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 http://www.getlenny.com/blog