Need to Establish or Rebuild Credit?

• Get personalized credit score tracking, credit monitoring, and access to simple financial tools

• No credit score required 

• No hard pull inquiry 

• Reports all 3 bureaus 

• As of today, the credit builder is available nationwide

• Approval amount may vary

A credit builder account is a small loan that’s held in a CD account for 12 months. The account is FDIC insured, earns 0.10% APY† interest and is held for you in your name during the term. 

The credit builder account offered inside works like this:

  1. Our banking partner lends you money that is held in a FDIC insured, certificate of deposit bank account (“CD account”) for 12 months.
  2. Next, you make 12 equal payments over the course of your term to repay the credit builder account. Payment history is reported to the credit bureaus each month.
  3. At the end of the term, you’ve paid off your loan and your CD has matured (and earned interest!). Plus, you’ve demonstrated months of payment history to the credit bureaus.