Divorce Credit LoansTwo ways to get through it
One covers the big costs now. The other gives you credit that's separate from your marriage. Many people need both.
One amount for the costs in front of you
Borrow what the divorce needs and repay it in monthly installments.
- For attorney, mediator and financial professional fees
- For a deposit, moving costs and setting up a second home
- Paid to you, and you decide how to use it
- Rates, fees and the full payment schedule shown before you accept
A card that's in your name alone
For everyday spending once the joint accounts close, and for building your own credit history.
- An individual account, not a joint one
- Each spouse applies separately, if you both want one
- No authorized users unless you add them
- Rates, fees and limits shown before you accept
What divorce actually costs
Most of these bills arrive before any settlement money does.
Your lawyer's retainer
Usually due up front, and often topped up as the case runs.
Mediator and experts
Session fees, financial analysts, appraisers and valuations.
A second home
Deposit, first month's rent, moving and furniture.
Keeping things running
Two households on the income that used to pay for one.
Replacing joint credit
Cards in your own name when the shared ones close.
Your car
Insurance, repairs and registration in one name.
How it works
Tell us what you need
A loan, a card or both, and the state you live in. It takes a minute and there's no credit check.
See what's available
We'll email you about the options in your state and what applying involves.
Decide on your own terms
All loans and cards are subject to credit approval. You'll see the rate, fees and terms before you accept anything.
Why your own name matters
A divorce decree decides who pays between the two of you. It doesn't change your contract with the lender. If your name stays on a joint card and your ex stops paying, the lender can generally still come to you, and your credit can take the hit.
Paying off and closing joint accounts, and having credit of your own, is how you actually separate. Your attorney can tell you how this applies to your accounts.
Questions people ask
Does checking my options affect my credit?
No. The request on this page is not a credit application and involves no credit check. If you later choose to apply for a loan or card, you'll be told before any credit check happens.
Can I apply before my divorce is final?
You can ask at any stage. Whether you qualify depends on a credit review of your own application. Federal law prohibits lenders from discriminating because of marital status.
Does my spouse need to be involved?
No. Each person requests and applies individually, and each account is in one person's name. We don't contact your spouse about your request.
Can we both get a card?
Each spouse can apply separately. Accounts are individual rather than joint, so one person's account isn't the other's debt, and each application is reviewed on its own.
What are the rates and fees?
They depend on your credit, the product and your state. Rates, fees and terms are disclosed in full before you accept anything.
If the court says my ex pays a joint debt, am I off the hook?
Not with the lender. A divorce decree divides responsibility between the two of you, but a joint account holder generally stays liable to the lender until the account is paid off or closed. Ask your attorney how this applies to your accounts.