Progression
Every on-time repayment unlocks the next level automatically. Miss a payment and your level freezes until you're resolved.
Tier
Citizen
Borrow up to $100
Levels 1–10
Tier
Patriot
Borrow up to $500
Levels 11–14
Tier
President's Circle
Borrow up to $1,000
Levels 15–19
Tier
Cushion Guardian
Vault active · $10,000 emergency capacity
Levels 20–24
Tier
Financial Independence
Graduated. Borrowing is a choice, not a need.
Levels 25–99
Phase One
Start at $10. Grow by $10 per level.
Level 1 · 🟢 Citizen
Borrow $10
Level 2 · 🟢 Citizen
Borrow $20
Level 3 · 🟢 Citizen
Borrow $30
Level 4 · 🟢 Citizen
Borrow $40
Level 5 · 🟢 Citizen
Borrow $50
Level 6 · 🟢 Citizen
Borrow $60
Level 7 · 🟢 Citizen
Borrow $70
Level 8 · 🟢 Citizen
Borrow $80
Level 9 · 🟢 Citizen
Borrow $90
Level 10 · 🟢 Citizen
Borrow $100
Phase Two
From $200. Grow by $100 per level. Ceiling at $1,000.
Level 11 · 🔵 Patriot
Borrow $200
Level 12 · 🔵 Patriot
Borrow $300
Level 13 · 🔵 Patriot
Borrow $400
Level 14 · 🔵 Patriot
Borrow $500
Level 15 · 🟣 President's Circle
Borrow $600
Level 16 · 🟣 President's Circle
Borrow $700
Level 17 · 🟣 President's Circle
Borrow $800
Level 18 · 🟣 President's Circle
Borrow $900
Level 19 · 🟣 President's Circle
Borrow $1,000