Hi there! I'm Faisal, one of the founders of Bits. Some background on Bits: Borrowing money is usually a terrible experience, yet everyone needs to borrow money at some point in their lives. I know how painful borrowing is, because I lived through the hell of student debt and credit card debt for most of the past decade myself. My experience as a borrower is what drove me to create Bits. In the Bits model, It doesn’t matter who you are. Maybe you have no credit history. Maybe you don’t have a 3 year address history. Maybe you’re self employed and doing your own thing. Or maybe you’re just balancing different cards with different APRs with different payment terms. It doesn’t matter to us. At Bits we only care about the money you have. You secure that money to borrow more money if you need it. If you don’t need it, then the option is always there whenever you do. If you do borrow money then Bits is simple to use, straightforward with no complex fees, terms or varied percentages. The Bits model is private, which means that we don't sell your data, and we don't report it back to credit agencies - unless you default, or unless you ask us to. Thanks for taking a look! I'd love to hear your feedback and answer any question you have.