Concora Credit Options & Personal Loans From $200 to $5,000
Apply in minutes, get a decision fast, and see the money in your account as soon as the next business day. Checking your offer won't affect your credit score.
Your loan request
Free · Secure · No obligation · $200–$5,000
🔒 Soft credit check — won't affect your score. By continuing you agree to our Terms, Privacy Policy and E-Sign Consent. ConcoraCreditApp is not a lender and is not Concora Credit Inc.; loans are offered by participating lenders, subject to approval and state availability.
Personal loans & Concora Credit help
Request a loan from $200 to $5,000 — or get answers about your Concora Credit card and account.
Personal Loans
Flexible $200–$5,000 personal loans for almost any purpose, with fixed monthly payments.
Bad Credit Loans
All credit types considered. Lenders look at income and recent history, not just your score.
Emergency Loans
Fast decisions for car repairs, medical bills and urgent expenses — funds as soon as the next business day.
Installment Loans
Borrow once and repay in equal installments over 3 to 36 months — no balloon payments.
Debt Consolidation Loans
Combine high-interest card balances into one fixed payment and a clear payoff date.
Loans for Concora Credit Cardholders
Have a Concora Credit card? A small installment loan can cover bigger costs without maxing your card.
Concora Credit card services
Get your loan in 4 simple steps
No paperwork, no branch visits. Most people finish their request in under five minutes.
What you need to apply
Four simple things. If you have them, you can request $200–$5,000 in about 2 minutes.
- Have your ID and latest pay stub handy
- Use your real, full annual income
- Lift any credit freeze before applying
Loan request checklist
- 18+ and U.S. residentValid ID and a U.S. address in a state where lenders operate.
- Steady incomeFrom a job, benefits or self-employment — usually $1,000+ per month.
- Checking accountAn active account in your name for deposit and repayment.
- Phone & emailSo lenders can verify your identity and send your documents.
Borrow with confidence
Your information is protected, your terms are clear, and real people stand behind every page.
Bank-level security
Your request is protected with 256-bit TLS encryption. We never sell your SSN.
Clear terms up front
APR, payment and total cost are shown before you sign. No hidden fees from us.
Real credit specialists
Our team includes card-servicing, credit-counseling and compliance professionals. Meet our experts.
What is Concora Credit?
Concora Credit Inc. is a credit company in Beaverton, Oregon that helps people with fair or rebuilding credit get credit cards and retail financing. Formerly Genesis Financial Solutions (founded 2001), it rebranded as Concora Credit in September 2023.
Concora is not a bank. FDIC-insured partners The Bank of Missouri (Milestone® and Destiny® Mastercard®) and Celtic Bank (Indigo® Mastercard®) issue the cards; Concora Credit handles applications, customer service and your account.
Had a Genesis or Milestone account before 2023? It’s the same servicer under a new name — not a new debt. See how Concora Credit shows on your credit report →
Concora Credit cards at a glance
Three unsecured Mastercard® cards, the same core benefits — here’s what’s different.
Milestone®
Rebuilding with a recognizable card- Issuer
- The Bank of Missouri
- Starting limit
- Up to ~$1,000 on some offers
- ✓No security deposit
- ✓Soft-pull prequalification
- ✓Reports to all 3 bureaus
- ✓Accepted anywhere Mastercard® is
- ★Mail offers with reservation codes
Watch for: Annual fee often billed at opening; possible monthly fee from year two; high APR if you carry a balance. Fees explained
See Milestone details →Destiny®
Fast decision & quick start- Issuer
- The Bank of Missouri
- Starting limit
- Set by your offer
- ✓No security deposit
- ✓Soft-pull prequalification
- ✓Reports to all 3 bureaus
- ✓Accepted anywhere Mastercard® is
- ★Fast online decision
Watch for: Annual fee and possible monthly fee; over-limit coverage costs a fee if you opt in; high APR. Fees explained
See Destiny details →Indigo®
Past credit challenges- Issuer
- Celtic Bank
- Starting limit
- Up to ~$1,000 on some offers
- ✓No security deposit
- ✓Soft-pull prequalification
- ✓Reports to all 3 bureaus
- ✓Accepted anywhere Mastercard® is
- ★Considers some past, discharged bankruptcies
Watch for: Annual fee and possible monthly fee; high APR; modest starting limit. Fees explained
See Indigo details →Terms vary by offer. The APR, annual fee, any monthly fee and your limit are shown in your personal offer before you accept. See how Concora Credit fees work · Full Concora Credit cards page
Estimate your monthly payment
Slide to your loan amount and pick a term to see an estimated payment before you apply.
- $200–$5,000Loan amounts
- 3–36 monthsRepayment terms
- 5.99%–35.99%Typical APR
Example: $1,000 over 12 months at 24.99% APR ≈ $95.04/month, $1,140.47 total. Your actual terms are set by the lender. Rates & terms
Have a card? Try the fee calculator or utilization calculator.
Estimate only. Checking offers won't affect your credit score. Not all applicants qualify for the lowest rates.
Our expert Concora Credit review
Is Concora Credit worth it? Our editors scored these cards in six categories — from the cardholder’s side.
“Concora Credit is built for fair and rebuilding credit. Prequalification is a soft pull, so checking your odds won’t hurt your score.”
“No security deposit on any card — Milestone®, Destiny® or Indigo®. You keep your cash and still get a real Mastercard®.”
“Concora Credit reports to all three bureaus every month. Pay on time and keep the balance low, and the card does its job.”
“The Concora app and account login cover payments, statements and alerts. Simple and useful, but don’t expect extras.”
“Fees are Concora Credit’s weak spot: annual and possible monthly fees, plus a high APR if you carry a balance. Pay in full.”
“Fees are disclosed before you accept, but they vary by offer. Read the pricing table line by line.”
Read the full Concora Credit review →
Editorial assessment by the ConcoraCreditApp team — not customer reviews and not endorsed by Concora.
Concora Credit tips & guides
Concora Credit frequently asked questions
How much can I borrow?
You can request a personal loan from $200 to $5,000. The amount you're offered depends on the lender, your income, your credit profile and your state.
Will applying hurt my credit score?
Checking offers uses a soft credit inquiry, which does not affect your credit score. A lender may perform a hard inquiry only if you accept an offer and proceed.
Can I get a loan with bad credit?
Yes, all credit types are considered. Lenders in our network look at income and recent payment history, not just your credit score.
How fast will I get my money?
If approved and you e-sign before the lender's cutoff, funds are often deposited as soon as the next business day.
Is ConcoraCreditApp the same as Concora Credit?
No. ConcoraCreditApp.com is an independent loan-request and credit service. We are not Concora Credit Inc. and are not a lender; loans are offered by participating lenders.
Is Concora Credit a real company?
Yes. Concora Credit is the current name of Genesis Financial Solutions, a company that has worked with non-prime consumers for more than 20 years. It services credit card accounts on behalf of FDIC-insured issuing banks and reports account activity to the major credit bureaus.
Can I prequalify for a Concora Credit card without hurting my credit score?
Yes. Concora Credit card offers such as Milestone and Destiny generally let you check for prequalification with a soft inquiry, which does not affect your credit score. A hard inquiry happens only if you accept an offer and submit a full application.
What credit score do I need for a Concora Credit card?
These cards are designed for people with fair to rebuilding credit, roughly the 300–689 FICO® range. There is no published minimum score; the issuing bank looks at your full profile, including income, existing debts and recent payment history.
Get $200–$5,000 — apply in minutes
One secure request. Checking your loan offers won't affect your credit score.
Questions? We’re here to help.
Pick the option that fits — we’ll point you to the fastest answer.
Independent site — we can’t access Concora Credit accounts. For account questions, use the number on the back of your card.