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Atlas

Credit Made Easy
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California, United States
51-200 employees

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Company Description

Atlas, operated by Exto Inc. (NMLS ID #2526784), is a U.S.-based financial technology company focused on expanding access to credit through a modern, mobile-first experience. Designed for consumers with thin or no credit history, Atlas offers a 0% APR credit product with high approval rates following identity verification, safe spending limits that grow with responsible usage, and an integrated bundle of features that simplify money management. Using Plaid to securely connect existing bank accounts, Atlas sets dynamic limits without requiring an existing credit history, and helps members build credit through on-time payment behavior, with internal data indicating an average 50-point score increase in the first year for customers who pay on time. The Atlas card delivers everyday value through rewards and perks, including cash back on subscription services and daily essentials, plus special promotions like Lucky Swipes, and partnerships enabling savings at 50,000+ locations. Members benefit from Smart Pay for hassle-free balance management and Smart Save to help build savings, alongside a subscription manager, a deposit account with potential early paycheck access, and a tax filing service from partners, all for a simple bundled membership price of $8.99 every four weeks or $89 annually. Security and peace of mind are core to the platform, with instant transaction alerts, one-tap card blocking, two-factor authentication, and 24/7 fraud monitoring, as well as cardholder benefits such as cell phone protection, extended warranty, auto rental coverage, and emergency travel assistance (subject to the Guide to Benefits). Atlas partners with Patriot Bank, N.A. and Academy Bank, N.A. for card issuance and with Academy Bank, N.A. and Veridian Credit Union (via Dwolla) for deposit accounts; Atlas is not a bank. With 100,000+ active members and strong ratings on Trustpilot and major app stores, Atlas combines fintech innovation and responsible credit-building to help customers spend safely, save more, and grow their credit confidently.

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