Boost Your
Credit Score.
Easy. Smart. Automatic.
Credit Boosting Made Easy
Easy as 1 – 2 – 3
No Credit Check!
The Boost Your Score credit builder program is simple. Take out a Boost Your Score Installment Loan, make timely payments on the Loan (we report positive credit history for each payment), and receive a Boost Your Score Secured Credit Card after 3 payments.
We also report positive credit history as you make timely payments on your new credit builder credit card… DOUBLE BOOST!
Talk about easy credit building!
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Apply for the Boost Your Score Installment Loan and the Boost Your Score Secured Credit Card using a single application thatdoesn’t do a hard credit pull. Make timely monthly payments on the credit builder loan, and we will report them as positive credit history. This alone helps build your credit.
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After three payments on the Loan, your Boost Your Score Secured Credit Card will be issued. The principal amount of each Installment Loan payment secures the credit card and increases your limit. Now you’ve got a credit builder credit card AND loan working to boost your credit score.
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After 12 timely payments, your Installment Loan is paid off. You can keep your Boost Your Score Secured Credit Card or cancel your card and get back the money you paid in on the Boost Your Score Installment Loan, minus interest, fees, and any outstanding balance owed on the Boost Your Score Secured Credit Card.
Payment history typically accounts for 35-40% of your overall credit score.
To get credit, you need credit. Let’s give that score a boost. Choose your credit builder plan today.
What is the Boost Your Score Credit Builder Installment Loan?
Asking yourself how to build or rebuild credit? Our Boost Your Score Installment Loan is specifically crafted to help you build a positive credit history, crucial for improving your credit score. Here's how it works:
1. How Our Credit Building Loan Works
Use a single application to apply for a Boost Your Score Installment Loan and a Boost Your Score Secured Credit Card. The Boost Your Score Installment Loan is not a traditional loan. You won't receive any funds upfront. Instead, the Loan funds are held in a Deposit Account that secures your loan. The Loan funds only become available to you as you pay back your Loan (minus interest, fees, and any outstanding balance owed).
2. How Payments Work
You make regular payments towards your Boost Your Score Installment Loan.
3. Benefits for Your Credit Score
Each on-time payment on the Boost Your Score Installment Loan is reported to the credit bureaus. Since payment history is a significant factor in your creditworthiness, this can help boost your credit score.
4. Secured Credit Card Component
After making three Boost Your Score Installment Loan payments, your Boost Your Score Secured Credit Card will be issued. The principal amount of each Boost Your Score Installment Loan payment secures the Boost Your Score Secured Credit Card. Payments made on time to your new credit builder credit card are also reported to the credit bureaus, giving you another way to demonstrate financial responsibility and creditworthiness. With multiple positive payment histories now being reported, your score may improve even faster.
5. Installment Loan Paid Off
After 12 timely payments on your Boost Your Score Installment Loan, it will be paid off. You can keep your Boost Your Score Secured credit score building credit card or cancel it and get back the money you paid in on the Boost Your Score Installment Loan, minus interest, fees, and any outstanding balance owed on the Boost Your Score Secured Credit Card.
It’s important to note that this product is designed for those with limited or less-than-ideal credit history. By participating, you commit to regular, timely payments, which in turn may enhance your credit score without the availability of borrowed funds. This approach ensures a disciplined and effective way to potentially improve or rebuild your credit.
Still have questions? Check out our FAQs!
Credit Boosting is What We Do
Maybe you’ve tried credit repair companies and realized they don’t work to completely fix your credit. Or maybe you just never had much reason to focus on your credit, but are now trying to get your score up to buy a home, purchase a vehicle, or make another large purchase. Either way, we’re here to help.
Because, like it or not, your credit score is important. Not only does it determine your ability to get loans and the rates you pay, but it ultimately determines your financial options when you need them the most.
A better credit score could be your key to financial freedom.
Our credit builder program was designed to help build or rebuild credit for those with little or negative credit history. You can use a single application to apply for both a Boost Your Score Installment Loan and a Boost Your Score Secured Credit Card, making the process quick and easy. We then let you know if you are approved for both credit-building products right after you complete the online application.
If you set payments to automatic, you’re on boosting autopilot.
Because on-time payments are such a big part of your credit score, we allow you to set up automatic payments, which puts your credit-boosting journey on autopilot. We report the payments, and you get to watch the benefits stack up.
We think our program offers one of the best ways to build credit as fast as possible. Here are a few more benefits and perks to signing up:
Learn more about credit builder loans
Boost Your Score Installment Loans are credit builder loans with no credit check. Credit builder loans are designed to help establish positive credit history by providing consistent, on-time payments, which can help increase your credit score.
Credit builder loans are small, and you do not receive the funds upfront when you take one out. The loan funds are deposited into a Deposit Account (basically a savings account), and you gain access to the loan funds as you repay the loan (minus fees, interest, and any outstanding balance). By making regular payments towards the loan, you establish a positive payment history. Since payment history typically accounts for 35-40% of your overall creditworthiness, this is a powerful tool that can provide a credit boost.
With Boost Your Score, we’ll also provide an additional way to improve your credit via a secured credit card. This is a brand-new line of revolving credit that gives you a second credit-building tool to rack up even more positive payment history.
It’s an easy credit builder option that can be combined with other financially responsible practices to really get your score up.