Simple by design
How It Works
Subscribe to a plan
Pick the wireless plan that fits your life — just like subscribing to Spotify or Netflix. No credit check required.
Enroll in Credit Building
Once your wireless service is active, opt into Credit Building. Verify your identity to protect against fraud — it only takes a minute.
We transform your plan
We convert your subscription into a Retail Installment Contract (RIC) — the same structure used for auto loans and appliance financing. This turns your routine wireless bill into a credit-building installment account paid over 24 months.
On-time payments build your credit
Your payments are reported to Experian monthly — with Equifax and TransUnion coming soon and full retroactive reporting from your first payment. On-time payments build payment history, the single biggest factor in your credit score. If you're a few days late, it won't hurt you. We're here to help.
Know your score
Your Credit Score, Explained
Polar targets the factors that matter most — so every month you pay, you're making real progress on your credit.
The single biggest factor. Every on-time payment with Polar counts toward this.
Your RIC adds an installment balance that decreases over time, improving your credit utilization profile.
Your 24-month RIC adds a long-standing account that ages and strengthens your credit file.
Having different account types (cards, loans, installments) shows lenders you can manage various credit.
Hard inquiries from applying for credit. We never pull your credit to sign up.
Payments reported monthly to Equifax — and coming soon to Experian & TransUnion, covering all 3 major U.S. credit bureaus.