Credit building
PayPedia helps individuals easily build credit through their monthly recurring payments. We evaluate individual circumstances while taking into account alternative metrics to determine your credit worthiness.
Personal financial co-pilot
Take back control of your finances with one simple app
PayPedia makes it easy to build credit and manage money by offering tools to develop smart spending habits, avoid financial pitfalls and make wiser financial decisions.
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Everything you need to build credit, manage money, and grow your financial confidence in one place.
Money management
PayPedia provides tools and insights to make managing finances easy, intuitive and automatic. We crunch the numbers to show you how you spend your money, set a budget and remind you of upcoming bills.
Financial Literacy
PayPedia will offer high quality financial literacy content. We will make abstract and tedious financial concepts more intuitive and rewarding.
Process
It's as simple as 1, 2, 3!
Enroll and start your credit building journey in as little as 5 minutes.
Features
Build credit with your subscriptions
- PayPedia virtual card is specifically designed to build credit with your subscriptions
- Use recurring expenses to boost your credit score
- Increase your credit score as you continue to pay your bills monthly
Build credit with rent
- Our app will allow you to input your rent payment history and utilize your on-time rent payments to boost your credit score.
- Rent reporting is an added trade line that does not require any additional debt load increase.
- Open the door to a higher credit score by having your monthly rent payments reported to your credit profile.
Manage your money
- PayPedia will allow you to track, organize and manage your transactions from all your bank accounts in one single app.
- Take control of your money, optimize your spending and grow your savings automatically.
Frequently Asked Questions
Here's what you need to start your credit building journey:
- A bank account
- Valid email address
- Valid phone number
- Social Insurance Number (SIN)
- Be a valid permanent Canadian resident with a Canadian physical residence
- Be at least 18 years of age
We help young adults build their credit using non-traditional data – such as rent, Netflix, utilities, and more! Our mission is to teach financial literacy and help people jumpstart their credit score.
- We report users' recurrent payments to the credit bureau giving our customers an opportunity to demonstrate positive payment history and build credit.
You will need to live in Canada, have a Canadian Photo ID and be the age of majority in your province.
Early access
Join the waitlist
Be first to build credit, manage money, and learn finance with PayPedia.