Ready to cash in while boosting your purchasing power?  Earn rewards — while you save with no annual fee.

 

Earn DOUBLE POINTS on fuel purchases now through September 30!

*For qualified borrowers. Both new and existing TRUE Rewards cardholders may earn two (2) rewards points for every $1.00 spent for qualifying purchases made May 1, 2025 - September 30, 2025. A cap of 10,000 bonus points applies. All bonus points will be added to cardholder’s Rewards account within forty-five (45) days after the end of the promotional period. Terms and conditions are subject to change without notice.
 

Rates

Earn More with your TRUE Rewards Credit Card

 

Experience the perks of the TRUE Rewards Credit Card!

Earn points on everyday purchases, and redeem them for purchases, merchandise, gift cards, travel perks, cashback, and much more. Plus, receive exclusive discounts, and enjoy peace of mind with top-notch security features.

  • Boost your purchasing power
  • Competitive, fixed APR 
  • Merchandise & cash back reward options
  • No annual fee
  • Credit limits starting at $500
  • Low monthly payments
  • Earn 1 point for every $1 in purchases
  • Redeem points for merchandise, cash back, and more!
  • No cap to points you can earn

We’ve made it simple—from application to funding!

  1. Apply Online
    Start your application right here on our website—quick, secure, and available 24/7.
  2. Get a Fast Decision
    We’ll send your loan decision directly to your phone or inbox.
  3. Provide Required Information
    Easily upload your documents if needed:
    • Recent pay stubs (for income verification)
    • Statements (if consolidating debt)
    • Vehicle info (if you're buying—year, make, model, VIN, and mileage)
  4. Close Electronically
    Review and sign your loan documents securely through DocuSign—no need to visit a branch.
  5. Receive Your Funds
    Once signed, we’ll disburse your loan.

Borrowers must be of legal age to apply for a loan.