Credit Building Products
Credit builders are designed to help you establish new credit history to help increase your score. Below are a couple of programs that we recommend that you try.
*Apply for a Credit Builder Account. Your money is safe and secure. No hard pull on your credit.
*Pay off your Credit Builder Account in the specified amount of time. You can choose the payment term and dollar amount that best fits your budget.
*Each on-time monthly payment builds credit history and adds to your savings. Your monthly payments are reported to all three credit bureaus.
Unlock your savings. Once you’ve paid off your Credit Builder Account, your CD unlocks and the money is yours (minus fees and interest).
Build credit without a credit card.
Apply in minutes. We instantly give you 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. We provide 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.