Our Mission

Fair credit for the next generation

At Deserve, you're more than your credit score. We use non-traditional data points and advanced machine learning algorithms to determine credit eligibility.

We're not here to tell you how to spend your money - that's up to you. But we will provide the tools, resources, and knowledge you need to gain financial independence with your access to fair credit.

“Deserve is measuring potential, not just risk.”

Kalpesh Kapadia,
CEO of Deserve

You deserve better.

While traditional lenders only look at your FICO score to determine your credit worthiness, our proprietary algorithm takes other factors into consideration such as your current financial health, education history, future employability, and projected potential earnings.

Simplicity meets security.

Our Deserve Mastercards use enhanced identity verification processes and consistent lending practices to ensure customer safety. Applying for a card or logging into your dashboard are always just a few simple taps or clicks away.

Your credit is your business.

We don't require students to get a parent to cosign your application. That way your purchases stay your business - and no one else's. Build your credit history on your own without the need for being an authorized user on a parents card. We help put you on the path to financial success from day one.

We Sponsor Universities Nationwide

Deserve in the News

Featured Story

Business Insider: Credit card startup Deserve raises $17 million to help young people build their credit in a system that makes it way too hard

“Deserve's credit card is created with Generation Z in mind. Rather than issuing credit cards based on applicants' financial history, Deserve issues its credit cards to anyone in possession of any kind of American ID and a bank account.”

Read the full article >