Layaway, rebuilt for today
Something new is dripping.
Prepare for a specific purchase without credit or debt. Set a goal, add funds whenever it suits you, and convert to a reloadable card only when you say so.
Example goal
Camera kit
Illustrative example — values change with market prices.
How it works
1. Set a purchase goal
Tell us what you're preparing to buy and what it costs. No credit check, no loan application.
2. Add funds at your pace
We track your portfolio against your goal using several independent price sources at once.
3. Confirm, then spend
When your goal is reached and holds steady, you decide. Approve, and it lands on a reloadable card.
Why you can trust it
Only you can convert
No staff member, support tool, or admin can turn your portfolio into funds on your behalf.
Change your mind freely
Cancel any goal and keep 100% of what you set aside. There is never a percentage penalty.
No debt, ever
You're never borrowing. Nothing here builds up a balance you owe or touches your credit report.
Not yet available in New York, California, Texas, or Washington.