One Step at A Time
Build credit without a credit card.
Apply in minutes. Instantly receive a bank loan and place the funds in a FDIC insured savings account in your name. Funds are locked to secure the loan.
Make small monthly loan payments. As a bank, we report your payments to the three major credit bureaus, building your credit history each month.
Track your progress. Receive a monthly FICO® Score 8 for free, so you can track your progress. 90% of top lenders use FICO Scores when making decisions.
Unlock savings. When your loan is repaid in full, the lock is removed from your savings account. You’ve built both credit and savings.
Customer Reviews!
“One month. Up 29 points!”
“My credit score has gone up 91 points since I started 3 months ago!”
“Pushing 700 now. This program is awesome!”
Start with a secured Credit Card
Apply in Minutes + No Credit Score Requirement
Put Down $200 Deposit To Open Your Secure Credit Card
Build Credit by Making Purchases With Your Credit Builder Card
Customer Reviews! (Over 25,000 Users)
“Since I’ve signed up my credit has went up 75 points and I am finally in position to achieve my goal of becoming a homeowner”
“Since using credit builder I have gone from a 570 to a 620. I plan to buy a car soon and realized cash only gets you so far. So glad I signed up”