Smarter Loans, Investments & Insurance — under one roof.
Improve Finance Credit helps individuals and families across all 50 states secure funding, grow wealth, and protect what matters — with transparent rates, 24-hour approvals, and dedicated expert advisors.
A modern finance partner built on transparency & speed.
Founded in 2022 in Newberg, Oregon, Improve Finance Credit was created to fix what traditional lenders got wrong — slow decisions, opaque pricing, and disconnected advice. We bring loans, investments, and insurance under one roof so our clients get a single, trusted partner for every financial decision across their lifetime.
Vision
To become America's most trusted integrated finance partner — accessible to every household, in every state.
Mission
Democratize access to fair loans, smart investments, and complete protection — with clarity, speed, and integrity.
Values
Transparency over pressure. Education over sales. Long-term relationships over short-term wins.
Principles
Every recommendation must serve the client first. We disclose every fee, every rate, every conflict — upfront.
Four investment tracks — from hands-off managed portfolios to direct gold and equity access — engineered for long-term compounding.
Investment Management
Managed portfoliosGoal-basedTax-aware
Actively managed, globally diversified portfolios tailored to your goals, risk tolerance, and tax situation — with quarterly rebalancing and a dedicated CFA-aligned advisor on call. Minimums from $25,000. Annual advisory fee 0.65% — well below industry average.
Direct access to US-listed stocks and ETFs with $0 commissions, fractional shares from $5, and real-time research from Morningstar and Zacks. Self-directed account or advisor-assisted — your choice. Smart-order routing for best execution across 12 venues.
Allocate to physical gold, silver, and platinum — delivered or stored in insured vaults — or trade gold ETFs and mining equities. IRA-eligible precious metals with full IRS compliance. A proven hedge through every recession since 1971.
Curated no-load and index mutual funds across US, international, and emerging markets — screened for low expense ratios, consistent management, and tax efficiency. Systematic investing from $100/month with automated rebalancing and dividend reinvestment.
Pick a service, choose a time, and a dedicated advisor will reach out within one business day. No obligation, no pressure.
15–60 minute calls
Right-sized to your question — quick rate check or full strategy session.
Senior advisor, every time
You speak with a licensed advisor — not a sales rep or call-center agent.
Private & secure
Bank-grade encryption. We never sell your data. Period.
Client Reviews
Trusted by 12,000+ Americans
Real reviews from real clients across the country — unedited and verified through our third-party review platform.
★★★★★
Improve Finance Credit refinanced our mortgage in 18 days and cut our rate by 1.4 points. The advisor walked us through every line of the closing disclosure — we saved $42,000 over the loan term. Genuinely the cleanest financial transaction I've ever had.
SM
Sarah MitchellAustin, Texas
★★★★★
I needed $85,000 to expand my restaurant. My bank wanted three years of tax returns and a 90-day wait. Improve Finance Credit had me funded in 9 days with an SBA 7(a) at 1.5% lower. The advisor actually understood hospitality businesses.
JC
James CarterDenver, Colorado
★★★★★
After a divorce wrecked my credit, I couldn't get approved for anything. Their credit repair team removed 11 inaccurate items in 4 months and my FICO jumped 87 points. I just closed on my first home — solo. I literally cried at the closing table.
ER
Emily RodriguezSeattle, Washington
★★★★★
Rolled over my old 401(k) into a managed IRA and the difference is night and day. The portfolio review alone found $3,200/year in unnecessary fund fees. They charge 0.65% — my old advisor charged 1.4% and never called. I finally feel like I have a partner.
MT
Michael ThompsonChicago, Illinois
★★★★★
Bundled auto, home, and umbrella liability insurance in one call — saved $1,140 per year vs. my previous carrier, with better coverage limits. The advisor explained every endorsement like a normal human, not a sales script. Highly recommend.
JN
Jessica NguyenSan Francisco, California
★★★★★
As a small-business owner with three employees, I'd been overpaying for Workers' Comp and general liability for years. Improve Finance Credit rewrote both policies, added cyber coverage I didn't know I needed, and cut my annual premium by 32%. Five stars without hesitation.
DP
David PatelBoston, Massachusetts
Frequently Asked Questions
Answers before you ask
The eight questions we hear most often — answered honestly, in plain English.
Most personal and auto loans receive a decision within 24 hours of submitting a complete application. Mortgage and business loans typically take 5–10 business days due to appraisal and underwriting requirements. Same-day decisions are common for personal loans under $50,000 submitted before 11 AM ET.
It depends on the product. Personal loans typically require a 620+ FICO, conventional mortgages 680+, FHA mortgages 580+, and SBA business loans 680+. That said — we work with 40+ lenders and frequently secure approvals for clients below these thresholds through specialized programs. Apply and let us find your best match.
No. We disclose every fee — origination, application, appraisal, closing — before you sign, in writing. None of our recommended lenders charge prepayment penalties on personal, auto, or student loans. Some mortgage products may have prepayment terms for the first 36 months; your advisor will flag these clearly.
All 50 states plus the District of Columbia. We hold the necessary lending, insurance, and investment advisory licenses in every jurisdiction — so you keep the same advisor whether you're in Oregon, Florida, or anywhere in between. If you move states, we move with you.
Yes. The full application, document upload, e-signature, and funding happen through our secure online portal — no branch visits, no printing, no faxing. You can also request a phone or video consultation at any stage if you prefer to talk through the details with your advisor.
Loans: home, education, business, auto, personal, and mortgage. Insurance: auto, health, home, life, travel, mortgage, burial, pet, and business. Investment management, stock investing, gold, and mutual funds round out the offering. Plus wealth management, retirement planning, credit repair, debt relief, tax & estate planning, auto warranty, and digital payments — everything under one roof.
You start with a 30-minute goals and risk-tolerance conversation with your dedicated advisor. We then build a globally diversified portfolio of low-cost ETFs and mutual funds aligned to your situation. Portfolios are rebalanced quarterly and tax-loss harvested as opportunities arise. Annual advisory fee is 0.65% of assets under management — well below the 1.0–1.5% industry average.
Absolutely. We use 256-bit AES encryption for data at rest and in transit, SOC-2 Type II certified infrastructure, read-only bank connections via Plaid, and biometric login on mobile. We never sell your data to third parties — ever. You can request deletion of your data at any time, in accordance with CCPA and state privacy laws.
Contact Us
Let's talk about your goals
Reach out by phone, email, or the form — whatever's easiest. A senior advisor responds within one business day.
Join 8,400+ Americans receiving plain-English market commentary, rate alerts, and exclusive offers — every Tuesday morning.
Privacy Policy
Last updated: January 2025
Improve Finance Credit ("we", "us", "our") respects your privacy and is committed to protecting your personal data. This policy explains how we collect, use, and safeguard your information when you use our website and services.
Information We Collect
We collect information you provide directly — including name, email address, phone number, state of residence, date of birth, and financial details you submit through our application and contact forms. We also collect usage data such as IP address, browser type, and pages visited through cookies and similar technologies.
How We Use Your Information
To process loan applications, insurance quotes, and investment inquiries
To match you with appropriate lenders, carriers, and investment products
To communicate with you about your account and our services
To comply with federal and state financial regulations
We share your information only with lenders, insurance carriers, and investment custodians necessary to fulfill your requests — and only with your explicit consent. We never sell your personal data to third-party marketers.
Data Security
We employ 256-bit AES encryption, SOC-2 Type II certified infrastructure, and read-only bank connections. Access to your data is restricted to authorized personnel who require it to serve you.
Your Rights
Under CCPA, GDPR, and state privacy laws, you have the right to access, correct, or delete your personal data. To exercise these rights, contact us using the information above.
Terms & Conditions
Last updated: January 2025
These terms govern your use of the Improve Finance Credit website and services. By accessing our site or submitting an application, you agree to the following terms.
1. Services
Improve Finance Credit acts as a broker and advisor for loans, insurance, and investment products offered by third-party lenders, carriers, and custodians. We do not directly lend money or issue insurance policies. All final credit decisions are made by the lender or carrier.
2. Eligibility
You must be at least 18 years old, a U.S. resident, and legally able to enter into contracts to use our services. Specific product eligibility may vary by state, credit profile, and income.
3. Rates and Fees
Displayed rates are illustrative and subject to change based on your credit profile, income, loan amount, and term. We disclose all fees in writing before you sign any agreement. We do not charge application fees for personal or auto loans.
4. No Guarantee of Approval
Pre-qualification is not a guarantee of final approval. Final approval depends on verification of your information and the lender's underwriting criteria.
Improve Finance Credit shall not be liable for indirect, incidental, or consequential damages arising from your use of our services or the products arranged through us. Our maximum liability is limited to the fees you have paid us in the preceding 12 months.
7. Governing Law
These terms are governed by the laws of the State of Oregon, without regard to conflict-of-law principles. Any disputes shall be resolved in the courts of Yamhill County, Oregon.
8. Changes to Terms
We may update these terms at any time. Continued use of our services after changes constitutes acceptance of the updated terms.
