Build Credit Every Time You Pay Your Car Insurance
ReYo transforms your monthly insurance payments into real credit history—without the complexity of traditional loans or cards.
Trusted by gig workers on these platforms
Benefits tailored to gig workers
Boost Your Credit Automatically
Your monthly repayments on the ReYo Virtual Card are reported to major credit bureaus—helping you quickly build or grow your credit score.
Smart Tracking & Insights
Track your payment history and credit-building progress from a clean, mobile-first dashboard.
Insurance Comparison Tool
Compare quotes from top insurance providers inside the app to find savings on your monthly premium.
No Hard Credit Check Required
We use a soft credit check for identity verification—this has no impact on your score and won’t affect your approval.
Bank-Level Security
Your data is protected by bank-grade encryption and secure, read-only access through trusted partners.
Exclusive Perks for Gig Drivers
Enjoy discounts on vehicle maintenance, mobile plans, and more—tailored to the needs of rideshare and delivery drivers.
How it works
1. Activate Your ReYo Account
Sign up in minutes—no hard credit check required. We verify your identity with a soft credit check and confirm your monthly insurance premium. Then, we issue you a unique ReYo payment account (like a virtual card or secure bank account), configured for your payment amount.
2. Link Your Insurance Provider
Update your payment method with your insurance company (e.g., Geico, Progressive) using your new ReYo payment account. Your monthly premium will be paid automatically through your ReYo account.
3. Watch Your Credit Grow
We handle the rest. Each month, your successful repayment is reported to major credit bureaus to help you build real credit history—just by making your insurance payment through ReYo.
9:41
300
850
750
12
Updated: June 4, 2024
Refresh Score
Score rating
Good
Payment history
Grade B
Credit usage
Grade C
Account mix
Grade A
Why ReYo?
We're on a mission to make credit building simple and accessible. ReYo helps you build credit using monthly insurance payments—something you're already paying for. No complicated loans. No traditional debt. Just smart, automated credit-building designed for gig workers and everyday earners.
Be the First to Build Credit with ReYo
Spots are limited. Join the waitlist today and turn your insurance payments into real credit history.