Take all the credit

Free thinkers and rebels don’t fit in a box.

So, Oxygen approaches credit differently.
We look past the usual requirements and ratings to consider your application fairly.

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No full-time income

When you work on different projects, your income ebbs and flows.

We understand that and consider the bigger picture.

Stress-free application

It’s easy to apply for credit within the Oxygen app.

Once you get the green light, you can access funds right away.

Rates that feel fair

You work hard and deserve competitive interest.

Oxygen plays fair; our credit experts personalize your loan pricing to deliver the best rates we can offer you.

One, two, three...
up you go

  • 1

    Connect your old bank

    If you want credit, we won’t just rely on your credit report. We can look at the cash flow in your old bank account and make it work.

  • 2

    Bank with us 90 days

    To apply for credit, three months of deposits into your Oxygen account is required.

  • 3

    Get funds immediately

    Upon approval, you can withdraw funds immediately – any time of day or night.

    Away you go.

Learn more

Since taking charge, I feel like I'm going in the right direction.

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