Credit that gets cheaper the longer you hold it.
Every other lender writes you a loan and hopes you keep needing one. Clear is built so your third year costs less than your first.
- Your deposit is your shareMembership
- No membership fee, nothing to buyCost
- One member, one voteGovernance
One balance, drawn cheapest first.
You do not choose a product. You spend, and the line takes from the cheapest thing backing you first.
Your own savings
Free$1,500 of $1,500Bonds and pool shares
Lowest paid rate$1,000 of $1,000Your income
Middle$300 of $1,500Clear Boost™
Highest$0 of $500Sample line. You see the cost before you take it. Cost accrues on what you still owe, so clearing early always costs less, and nothing compounds. The most expensive part unwinds first.
Not three lenders. One co-op you own.
A repair at a shop, cash in your account, the house you buy. Three rungs, one membership. Pay this one back and watch what it unlocks.
How the co-op works- 1October 2026$246.75Due this cycle
- 2November 2026$246.75Upcoming
- 3December 2026$246.75Upcoming
- 4January 2027$246.75Upcoming
You can hold several plans. You cannot hold several limits. Five stores usually means five ceilings and a hidden total. Here there is one, and paying back frees it.
Sample member. Carry is 2% a cycle on what you still owe, so clearing early always costs less.
You choose how to clear it, and you can change your mind.
Spreading it further costs more, and the screen says so in dollars, not in a rate.
- Each cycle
- $246.75
- Carry this cycle
- $18.80
- Carry over the plan
- $47.00
- Done by
- January 2027
Clearing early always costs less. Pick a split at the counter, and pick a different one later that week or three cycles in.
Saving is the thing that changes your terms.
Every dollar you save is matched one-for-one in equity credits, and raises your credit limit by a dollar.
Matched in equity credits, dollar for dollar
The match runs for your first thirty-six months of saving
The most matched in any one month
Before credits vest, so the number tracks money that stayed
credits unlocks your Equity-Lease Participation Agreement and your Clear Deed. Most first-cohort members are expected to reach it in twelve to eighteen months.
A pause, not a penalty.
New credits stop accruing while you are drawn against. The ones you have already earned are never taken back.
You borrow, not withdraw.
Contributions are not withdrawable while you live in a Clear home. They come out on conversion or exit.
- No late feesever
- No compoundingthe balance never grows on its own
- No credit-score pullto approve a first plan
- No shopping appcompeting with the shops you use
Every thirty days, one number.
A cycle closes, the balance rebalances, and you are told where you stand in one line.
The label never changes and the number never turns into prose. The border carries the state.
The honest version of the comparison.
Including the part where they beat us.
Then you are back where you started, and their app is trying to sell you something else.
The waterfall is designed to move you from borrowing to spending your own money.
- Their advantage we cannot matchOne tap
Klarna is a single tap at checkout. Your first Clear transaction asks for a membership and a linked account, and takes about three minutes.
- What happens after thatNo application
You sign up once, not once per shop. Every later purchase anywhere in the network is just your existing line.
Your money kept in your neighborhood.
One member, one vote. Building in Inland Empire, California.