Fair credit for the next generation

Deserve is an analytics-based financial tech company.

Through machine learning and alternative data, Deserve is helping the next generation of credit owners gain financial independence through access to fair credit products.

Deserve is measuring potential, not just risk.

Kalpesh Kapadia,
CEO of Deserve

Where traditional lenders see risk, we see potential.

While traditional lenders only look at your FICO score, our proprietary algorithm weighs in other factors such as your current financial health, education, future employability and projected earnings.

We balance simplicity and security.

Our cards meet the strictest requirements of the law when it comes to security, using enhanced identity verification and consistent lending practices to ensure your safety. But we don't sacrifice providing a simple experience to sign up or manage your account day-to-day.

We treat you like an adult.

We don't require you to get a parent to cosign, so your charges can stay your business. And you'll get credit for all your good credit habits, unlike if you remained on your parents' card.

We sponsor nationwide universities

Our investors are industry giants

Alumni Venture Group
Aspect Ventures
Fenway Summer Ventures
GDP Venture
Keystone National Group
Mission Holdings
Pelion Venture Partners
Spark Labs Global Ventures

Meet Our Leadership

Board of Directors

Kalpesh Kapadia
CEO & Co-Founder
Theresia Gouw
Aspect Ventures
Sameer Gandhi
General Partner
Saurabh K. Mittal
Chairman and Chief Investment Officer
Mission Holdings
Blake Modersitzki
Founding Partner
Pelion Venture Partners

Contact Us

We’re happy to answer your questions

Call us at 800.316.7258 between Mon-Thurs 5AM-7PM PST, Fri & Sat 5AM-3PM PST