Build credit every time you pay your car insurance
ReYo transforms your monthly car insurance payments into real credit history—without the complexity of traditional loans or cards.
Works with all major insurance providers
Benefits designed for every driver
Build credit automatically
Your monthly car insurance payments are reported to the major credit bureaus—helping you grow or establish your credit score with the bill you already pay.
Smart tracking & insights
See your payment history, monitor your credit score, and track your progress — all from a clean, mobile-first dashboard.
Save on insurance
Compare quotes from top insurance providers directly in the app and unlock savings on your monthly premium.
No hard credit check
Sign up in minutes. We verify your identity with a soft credit check — no impact to your score.
Bank-level security
Your data is always protected by bank-grade encryption and secure access through trusted partners.
Exclusive perks & rewards
Unlock discounts on essentials like car maintenance, fuel, and financial products — designed to put more money back in your pocket.
How it works
1. Activate your ReYo account
Sign up in minutes — no hard credit check required. We verify your identity with a soft pull and confirm your monthly insurance premium. Then, we set up your secure ReYo payment account, ready to handle your insurance payments safely.
2. Pay through ReYo
Each month, ReYo collects your premium (via secure ACH or debit). The funds are stored in your dedicated ReYo account and then automatically sent to your insurance provider (e.g., Geico, Progressive).
3. Watch your credit grow
Every successful payment is verified and reported to the credit bureaus. Just by paying your car insurance as usual, you’re building real credit history — debt-free.
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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 car 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.
Build credit with ReYo
Spots are limited. Join the waitlist today and turn your car insurance payments into real credit history.