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Consumer Proposal?

Pay off your Consumer Proposal earlier while building credit
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If you’ve found yourself in a consumer proposal, you may be wondering:

  • How can I get out of it sooner?
  • How can I rebuild my credit score if I don’t qualify for a credit card or loan?
  • How much will a car loan or mortgage be if I can’t borrow from a bank?
At Climb, we’re here to tell you… There is a better way to get your credit back on track. (and it doesn’t involve high interest rates, payday loans or scams)

Introducing Climb's

Accelerator Plan

The Climb Accelerator Plan is an easy way to:

Rebuild your credit score, using a proven method

Save for the future – simply, securely and easily

Make a plan to get out of consumer proposal early, so you can move on with your life

How does it work?

The Climb Accelerator Plan is simple:

Our fees are simple too.

You’ll only pay:

  • A set-up fee of $150 - $250 (depending on your savings goal)
  • A low interest rate of 8.99%

No hidden fees. No surprises. A 60-day money back guarantee.

With the Climb Accelerator Plan,
now you can…

  • Get help saving money.
    At the end of your plan, the money you’ve saved is yours.
  • Build your credit score.
    We report your good behaviour to the credit bureaus. Win, win.
  • Pay off your consumer proposal early.
    When your plan comes to an end, you can choose to put the amount you’ve saved towards your consumer proposal – getting you out of it sooner. It’s your money, it’s your choice.
I used Climb to boost my credit score while I was in my consumer proposal. Now that I’m done my proposal, I’ve gotten money paid back to me, and my credit score is at 804.
Brad B.actual Credit Accelerator Program customer
Brad B.
I remember going for a car loan when my credit score was over 700 and I was approved in 30 seconds. I’ve had a change in circumstances since then, and I’m using the Accelerator to get my score back to where it was. Next time I go for a car loan I want that peace of mind and no stress about financing.
Dennis D.actual Credit Accelerator Program customer
Dennis D.
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Not All Credit Builders Are Created Equal

  • Some companies offer similar savings loan product, which have been criticized for having:
  • Excessively high interest rates
  • Costly account set-up fees
  • Hidden fees and cancellation penalties
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  • Pay a low interest rate of 8.99%
  • An affordable, one-time set-up fee of $150 - $200
    (depending on your savings goal)
  • A complete, 60-day money back guarantee (if you wish to cancel after the 60-days, you just pay the set-up fee)
At Climb, we’re here to tell you… There is a better way to get your credit back on track. (and it doesn’t involve high interest rates, payday loans or scams)

The Not-So Fine Print

You have questions, we have answers

No one can provide a guarantee when it comes to credit ratings, but so far, 58% of customers with a similar product were able to bring their score up by more than 50 points and 18.5% were able to bring their score above 600 when they kept their account in good standing.

The interest fees you pay cover the costs of reporting your payments on a monthly basis to TransUnion and Equifax. The one-time set-up fee covers the costs of creating your account.

Your money is saved in a secured trust account, registered in Mississauga, Ontario.

You’ll receive a regular balance update on a quarterly basis via text and email. If you’d like to check your balance at any other time, you can call us at 1-844-500-9898.

Of course! Your money is your money. We offer a complete, 60-day money-back guarantee to offer you peace of mind. If you wish to cancel after 60 days, you just pay the set-up fee.

We want to do everything we can to help you avoid missed payments (and their nasty NSF fees). We offer automated payment reminders and will happily reschedule a payment within the same payment period to make sure we have a positive payment to report. However, if you miss a payment and aren’t able to make it up within the same reporting cycle, we will have to report the missed payment to the credit bureaus.

Yes! You don’t need to be in a consumer proposal to apply for the Credit Accelerator Program. You can still take full advantage of its benefits, like build your credit and save for the future.

The Climb Accelerator Plan is perfect for you if…
  • You’re currently in a consumer proposal
  • You’re motivated to rebuild your credit, while also saving for the future
  • You’re ready to commit to the program for 2-5 years (we’ll never lock you in, but we recommend sticking with it for several years for the best results)
  • You’re ready to move forward with your life
  • You’re able to make regular payments
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The Climb Accelerator Plan is not right for you if…

  • You’re currently in bankruptcy
  • You aren’t ready to commit to a 2 to 5 year process to rebuild your credit rating
  • You have an immediate need for cash, or you don’t think you’ll be able to make regular payments
  • You have zero need to rebuild your credit score

Learn More by
Requesting a Text

Get the help you need, from a company you can actually trust

We’re a Canadian company with a passion for helping our customers achieve their financial dreams. Unlike some other financial services providers, we don’t want customers for life. Our goal is to help you move on with your life through innovative financial products.

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  • We’ve been in business since 2012 and we’re 100% Canadian.
  • We’ve helped thousands of Canadians transform their financial situations.
  • We believe your credit score shouldn’t define you.

Learn More by
Requesting a Text

With the Climb Accelerator Plan, get your credit back on track.

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© Copyright 2020 Climb Credit Inc. All Rights Reserved.

A popular choice is to pay $100 every month. But you could choose $40 every two weeks, or even $7 every week. The choice is completely yours.

For the best results, we recommend you maintain your plan for 2 to 5 years. However, you can cancel your plan, or access your money, at any time.

Set up pre-authorized payments and get handy reminders to help you never miss a payment. Need to reschedule a payment date? Simply contact us.

To build credit, you need to show you can make payments consistently. Doing so builds a positive payment history with the credit bureaus. We report to both TransUnion and Equifax.