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TomoCredit
Credit Building Starts Here. No Credit History Required. Apply in Minutes! Enjoy Benefits & Coverage Valued at $1,300+. Build / Grow Credit with TomoCredit.
TomoCredit
Credit Building Starts Here. No Credit History Required. Apply in Minutes! Enjoy Benefits & Coverage Valued at $1,300+. Build / Grow Credit with TomoCredit.
General information
Firm type
Asset Manager
Year founded
2018
Location
Region
North America
Country
United States
City
San Francisco
Corporate office
San Francisco, CA, United States
Principals
Kristy Kim
CEO & Founder
Sector focus
Frequently asked questions
How does TomoCredit approve applicants without a credit score?
TomoCredit asks applicants to link their primary bank account. Its system analyzes transaction history, income deposits, and average balances to measure ability to pay. No credit bureau pull occurs, which means a thin or missing file does not block approval.
Does TomoCredit charge a security deposit or an annual fee?
The Tomo Black Card carries no security deposit and no annual fee. The issuer does not charge interest, positioning the card as a charge card settled in full each month rather than a revolving credit line.
Which credit bureaus does TomoCredit report to?
TomoCredit reports payment activity to Equifax, Experian, and TransUnion. This helps users build a traditional credit history that future lenders can see.
Is TomoCredit a family office or a venture-backed fintech?
TomoCredit is a venture-backed fintech company, not a family office. It has raised capital from institutional investors and operates as a direct-to-consumer lender.
How does TomoCredit make money if it charges no interest or fees?
The firm earns interchange revenue on card transactions, a standard model for charge-card issuers. It has not disclosed material income from late fees or spread-based lending.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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