Lucible
Spend and invest in one place.
Lucible is a combined checking and investment account that puts deposits to work while keeping funds available for spending. It connects to an existing checking account and automatically invests deposited money in the S&P 500. When money is spent, Lucible provides a margin loan at 8% APR, allowing the invested balance to remain in place while liquidity is maintained.
The service includes seamless onboarding through a connected checking account, automatic investment of deposits, and on-demand margin loans. The company states that it earns revenue through a subscription fee and that users keep the returns generated by their investments. Lucible is offered through a waitlist, with no published plan tiers, trial terms, or seat-based pricing details.
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