Digital credit products for consumers & businesses
NA-TEL is not a bank. We offer digital credit products intended to help consumers and businesses establish payment history through monthly reporting.
Platform account limits
Products
Installment payment reporting, rent and bill reporting concepts, credit insights and identity protection.
Consumer product amounts: $5,000 – $25,000
Consumer digital credit product
Product amount
A $5,000 consumer tradeline product reported as a revolving account, designed to help you establish a documented payment history.
0/2 consumer accounts used · how it works
Consumer digital credit product
Product amount
A $10,000 consumer tradeline product for customers seeking a larger reported account limit.
0/2 consumer accounts used · how it works
Consumer digital credit product
Product amount
A $15,000 consumer tradeline product with mid-tier reported limit and standard monthly reporting.
0/2 consumer accounts used · how it works
Consumer digital credit product
Product amount
A $20,000 consumer tradeline product for customers building a more substantial account profile.
0/2 consumer accounts used · how it works
Consumer digital credit product
Product amount
Our highest consumer tier, a $25,000 reported tradeline account with priority account servicing.
0/2 consumer accounts used · how it works
One platform, two pathways
Whether you are building personal credit or establishing a business credit profile, explore payment-based products and services designed around the history you create every month.
Explore installment credit products, rent and recurring bill reporting, credit monitoring, identity protection and report-review guidance.
Explore consumer servicesExplore business credit products, connected accounts, commercial rent, utilities, vendor payments and business credit insights.
Explore business servicesAdditional service areas are presented for review. Availability, provider integrations, eligibility and bureau coverage must be confirmed; only products displayed in the live application are selectable.
Education
A tradeline is simply an individual account that appears on a credit profile. Each tradeline holds the basic facts about that account: what type of account it is, the amount associated with it, when it was opened, and the payment activity recorded on it over time.
When you select an NA-TEL digital credit product, you agree to the product amount, monthly payment schedule, and applicable service fee shown before application. Monthly payment performance is tracked as on-time or late and reported to the four major credit bureaus.
Credit profiles are evaluated by many factors, and every situation is different. NA-TEL does not promise a specific credit-score outcome or approval. NA-TEL is not a bank.
A product amount, a fixed monthly payment, and a service fee that is disclosed before you apply.
Your monthly payments are tracked in your dashboard so you always know what is due and what has been paid.
Payment activity creates a documented history you can review at any time from your account.
Credit reporting
NA-TEL DATA reports your monthly payment performance and your 24-month installment plan details to all four major credit bureaus: TransUnion, Equifax, Experian, and Innovis.
Monthly payment reporting
Monthly payment reporting
Monthly payment reporting
Monthly payment reporting
The NA-TEL example is a $240 installment account with a $10 monthly payment over 24 months. The account details and monthly payment performance are reported.
Each monthly $10 payment is tracked and reported as on-time or late, contributing to the payment history associated with the account.
Reporting timelines and bureau acceptance are outside our control, and no specific credit-score outcome is guaranteed.
How NA-TEL works
Explore consumer and business digital credit products and available service areas.
Choose the products that fit your needs, subject to the platform's account limits and eligibility requirements.
Create your account, provide the required information, and complete identity verification.
Access your products, payments, documents, notifications, and account information through your secure dashboard.
Account limits
Eligible customers can select up to two Consumer Tradeline Accounts and up to two Business Tradeline Accounts through the NA-TEL DATA platform.
These limits are applied automatically. Once you reach the maximum for a category, the platform will not allow another account of that type to be selected or opened.
Get Started2 / 2 Consumer AccountsLimit reached
1 / 2 Business Accounts
Why NA-TEL
A transparent digital experience designed to make the application and account-management process simple and secure.
View product amounts, applicable service fees, and monthly payment information before beginning an application.
Complete the application process online from your computer or mobile device.
Complete identity verification and submit required documentation through a protected digital experience.
Manage products, payments, documents, notifications, and account information from one secure dashboard.
Security
NA-TEL DATA is designed with security in mind, using protected authentication, access-controlled systems, and secure handling of sensitive customer information.
Your account is protected by verified email sign-in and secure sessions.
Your personal information and identity documents are protected using secure, access-controlled technology.
Only authorized team members can review the information needed to process your application.
Payment details are handled securely, and full card numbers are never stored on the platform.
Create your account, select your products, and complete identity verification entirely online — from your phone or your desktop.
Product amounts, service fees, and monthly payments are shown before you apply. Review our disclosures for full product terms.