Banks judge you by a three-digit number calculated by an algorithm that's never met you. We built something different — a system where your community vouches for you, and your actions prove the rest.
No credit check
Ever.
Community vouching
Real people back you
Tier system
Grow your access
Fast decisions
Under 24 hours
Request a Loan
No account needed · No credit check
The Problem
The credit score system was built in 1989 before the internet, before smartphones, before most of us were born. Yet it still determines whether you can pay your rent or fix your car.
Miss a payment during a crisis? The algorithm marks you for 7 years. No context. No appeal. No second chance.
Young, new to the country, or just careful with money? To a bank, no credit history means no trustworthiness. Circular logic.
Car breaks down, medical bill arrives. Banks take weeks and still say no. Payday lenders charge 300–400% APR. Take it or leave it.
A credit score measures your relationship with debt. It says nothing about your character, your work ethic, your community, or your commitment to the people you owe. It treats every missed payment the same whether it happened during a medical crisis or a moment of irresponsibility. There has to be a better signal.
When someone puts their reputation on the line for you a friend, a family member, a community elder that says more about your character than three digits ever could. We built our entire system around this.
No financial risk to your voucher
They stake their reputation, not their money. They cannot be sued or lose anything.
Vouches unlock higher tiers
Each tier unlocks larger loan amounts from more lenders. More vouches, more access.
Vouchers have skin in the game
A poor vouch reflects on them too. People only vouch for people they genuinely trust.
Credit score vs Feyza
The Tier System
Your tier determines what loan amounts lenders will approve. It's based entirely on how many active vouches you have. No waiting. No scoring algorithm. Just people backing you.
Starting point. Access to basic loan amounts from lenders who accept new borrowers.
Your community is backing you. More lenders become available, higher limits unlock.
A strong community signal. Lenders compete for your business at this tier.
The highest tier. Maximum limits, best rates, full access to all lenders.
Tiers update automatically as you receive vouches. Lenders set their own limits per tier the more lenders available at your tier, the better your options.
Trust Score
Alongside your tier, you have a Trust Score from 0–100. It's visible to lenders and tells a richer story than any credit score ever could because it accounts for behavior, not just payment history.
Your score is built from
On-time payments build your score
Finishing loans matters
Who backs you up
ID confirmed, real person
Time as active member
Trust Tier
Determines your loan limit access
Your tier (1–4) is based on how many active vouches you have. This is what lenders use to determine how much they'll lend you.
Trust Score
Lenders see your full picture
Your 0–100 score shows lenders your full track record payments made, loans completed, how long you've been on the platform.
Four steps. No credit check. No weeks of waiting.
Tell us how much you need and why. Takes two minutes. No credit check.
Invite friends, family, or community members to vouch for you. Each vouch raises your tier and opens more lenders.
We match you with lenders whose tier policies fit your current standing. Or invite someone you know personally.
Make payments on time auto-pay available. Your trust score builds. Lenders trust you more. The cycle rewards the trustworthy.
Matched to a verified business lender, or invite someone you already know.
We automatically match your request with verified business lenders whose tier policies match your current standing. Their loan limits are set per-tier the higher your tier, the more they'll offer.
Invite someone you trust to fund your loan directly. They don't need a Feyza account. We track everything, send reminders, and keep your relationship clean because mixing money and relationships should come with a safety net.
Payment dates built around your payday not random calendar dates. Never pay during rent week again.
Connect your bank. Payments happen automatically on due dates. Never miss, never stress.
Email reminders before every payment. Full visibility into upcoming, completed, and remaining amounts.
Prefer Cash App, Venmo, or bank transfer? Upload proof. We track and confirm everything.
Watch your score move in real time. See exactly what improves it and what doesn't.
Borrowed without an account? You can still track your loan, make payments, and build your history.