StartWise Programs
StartWise: Restoring Dignity Through Financial Empowerment
StartWise is a Beyond90 initiative helping refugees and immigrants build credit, gain financial confidence, and achieve long-term stability—starting today.
For many newcomers, financial systems in the U.S. are confusing, out of reach, and often unforgiving. Without a credit score or employment history, even basic necessities like transportation and housing can feel impossible. StartWise changes that. StartWise isn’t just a loan program—it’s a bridge to independence.
Personalized, situation-based approval process
Multilingual support services
Financial education to promote long-term success
Our Services
AUTO LOANS
WITH PURPOSE
Reliable transportation is essential—but for many refugees, it’s out of reach due to high-interest, predatory lending practices.
StartWise offers market-rate car loans with no credit history required. We also help clients refinance existing high-interest loans, providing real savings and peace of mind.
Impact at a Glance:
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Fair, transparent lending for individuals with no credit
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Monthly payments that build credit history
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Ongoing financial coaching and language-accessible support
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A pathway to jobs, school, and healthcare through transportation access
CREDIT-BUILDING LOANS FOR NEW BEGINNINGS
Credit is more than a number—it’s access to opportunity.
Without a credit score, most refugees are locked out of housing, insurance, and financial stability.
StartWise provides small, interest-free loans designed to build credit safely. Every on-time payment is reported to major credit bureaus, helping participants establish a credit profile that opens doors.
Key Features:
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Zero-interest personal loans
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No credit history required
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Reports to credit bureaus to build credit
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Wraparound support from Beyond90’s case management team