Frankie is currently in Beta. Join early and help shape the future.
How it actually works
Apply in minutes
No credit score games. Just tell us what you need.
We verify you
We use trust signals, not your credit score.
Money arrives
In your account in 24–48 hours. Real fast. Not 'instant.'
Pay + thrive
Pay on time, borrow again, and unlock perks. Easy.
Why Frankie
Crystal-Clear Fees
No surprises. What you see is what you pay; up front, every time.
No Credit Check
We base our trust on behavior, not your score. Because people > numbers.
Human-First
Frankie’s built for real people. With care, not tricks. And never any shame.