Pay friends back and build credit
Get microloans to instantly pay friends back while building your credit score. Pollen turns every transaction into an opportunity to improve your financial future.
Banking that builds your credit
From microloans that build credit to instant transfers, Pollen helps you grow your financial future with every transaction.
- Microloans to Build Credit
Get small loans to pay friends back instantly while building your credit history. Our unique microloan system helps you establish and improve your credit score with every transaction.
- Send & Request
Transfer money instantly to friends and family. Split bills, send payments, or request money with just a few taps - all with zero fees for standard transfers.
- Smart Insights
Intelligent account management with spending insights, automatic categorization, and personalized budgeting tools to help you make smarter financial decisions.
Build Credit withSmart Microloans
Turn everyday expenses into credit-building opportunities. Get instant microloans and watch your credit score grow with every payment.
Why Choose Pollen Microloans?
Instant Microloans
Get small loans instantly, from $5 to $500
Build Credit Score
Every payment helps improve your credit history
Pay Friends Back
Split bills and pay back friends easily
Safe & Secure
Bank-level security for all transactions
How It Works
Start Building Credit Today
Join thousands of users who are already building their credit with Pollen's smart microloan system.
No hidden fees • Instant approval • Build credit fast
Credit Building Impact
Users see an average credit score increase of 40+ points within 6 months of consistent microloan payments.
Build Credit
Turn friend payments into credit building
Don't let a low balance stop you from paying friends back. Get instant microloans and build your credit score with every transaction - it's financial growth made simple.
- Instant microloan approval
- Get approved for small loans in seconds to cover friend payments when your balance is low.
- Build credit with every payment
- Every microloan payment is reported to credit bureaus, helping improve your credit score.
- Smart loan amounts
- AI determines safe loan amounts based on your payment history and income patterns.
- Automatic repayment
- Loans are automatically paid back when you receive money, making it effortless.
Microloan
Your Credit Score
720
+15 this month
Sarah Chen requested $25
PendingDinner split • The Porch Restaurant
This microloan will be reported to credit bureaus and could improve your score by 3-5 points
Trusted by the next generation of earners
See why thousands of young professionals choose Pollen for their banking needs.
“Pollen made splitting rent with my roommates effortless. No more awkward money conversations!”
Sarah Chen
Marketing Manager
“Finally, a bank that gets how I actually use money. The app is gorgeous and lightning fast.”
Marcus Rodriguez
Software Engineer
“Managing client payments and personal expenses in one place has been a game-changer for my business.”
Jessica Kim
Freelance Designer
“The budgeting tools help me save for my goals while still enjoying life. Perfect for young professionals.”
Alex Thompson
Sales Representative
“Pollen's instant notifications keep me on top of my spending. I never overdraft anymore!”
Maya Patel
Content Creator
“The investment features are perfect for someone just starting out. Simple and educational.”
Jordan Williams
Junior Analyst
“Customer service actually responds quickly and helps solve problems. Revolutionary for banking.”
Taylor Johnson
Project Coordinator
“The peer-to-peer payments are seamless. Splitting dinner bills has never been easier.”
Cameron Lee
UX Designer
“Pollen helps me understand my spending patterns and make better financial decisions.”
Riley Davis
Research Associate
Start building credit with every payment
Join thousands who are building their financial future with microloans. Every transaction is an opportunity to improve your credit score.
Microloan Approved!
$25.00 • Credit building opportunity
+5 points expected from this microloan
Auto-repaid when you receive money
Credit Improved!
+5 points
Pollen is a trademark of Pollen Financial Technologies, Inc. Banking services provided by our partner bank, Member FDIC. Your deposits are FDIC insured up to $250,000.
Investment products are not FDIC insured, not bank guaranteed, and may lose value. All investments involve risk, including the potential loss of principal.
Pollen