BOOST YOUR SCORE_dial

Boost Your
Credit Score.
Easy. Smart. Automatic.

Credit Boosting Made Easy

Easy as 1 – 2 – 3

The Boost Your Score method is simple. You choose your credit booster, we report positive credit history, you receive a secured credit card, and the money you pay in is entirely yours to keep, minus interest, fees, and any outstanding balance owed.
This is credit boosting made easy.

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    Once you’ve picked your boost and set up automatic monthly payments, we report them as positive credit history.

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    After four payments, you get access to your secured credit card.

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    Once the program is complete, you can keep your new credit card or choose to get all of your money back, minus interest, fees, and any outstanding balance owed.

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.

What is a credit builder loan?

Looking to enhance your credit score? Our Credit Builder Loan is specifically crafted to help you build a positive credit history, crucial for improving your credit score. Here's how it works:
 
1. Understanding the Loan Structure: This is not a traditional loan. You won't receive any funds upfront. Instead, the loan amount is securely held in a deposit account until you either close/payoff your installment loan or if you take advantage of the secured credit card associatd with the secured installment loan.
 
2. How Payments Work: You make regular payments towards this loan. These payments are deposited into the deposit account. Every dollar you pay is yours to keep, minus interest and fees.
 
3. Benefits for Your Credit Score: Each on-time payment is reported, which may positively impact your credit score. Since payment history is a significant factor in your creditworthiness, this method may help in boosting your score.
 
4. Access to Your Funds: Once the loan is fully paid off, or if you take advantage of the secured credit card, the money in the deposit account that you have paid, is available to you.
 
5. Secured Credit Card Component: After your fourth loan payment, you become eligible for a secured credit card. This credit card is linked to your loan. It offers another avenue to demonstrate financial responsibility and creditworthiness through payments being reported (just like the loan).
 
6. Program Completion: Upon completion of the program, you receive the total amount saved in the deposit account, minus any interest, fees, and outstanding balances.
 
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 payments, which in turn, may enhance your credit score without the immediate availability of borrowed funds. This approach ensures a disciplined and effective way to potentially improve your credit.

Why Us Credit Boosting is What We Do

Like it or not, your credit score is everything. Not only does your credit score determine your ability to get loans and the rates you pay, but your credit score will ultimately determine your financial options when you need them the most.

A better credit score could be your key to financial freedom.

With Boost Your Score, you pick your boost level and start to impact your credit score immediately with positive credit history being report every time you make a payment.

Once you set payments to automatic, you’re on boosting autopilot.

With every boost, your money is added to an account that is yours to keep (minus interest, fees, and any outstanding balance owed) and, you’ll receive a secured credit card after the 4th payment for an additional way to boost.

No hard credit pull

Positive credit reporting with every payment

Secured credit card after your 4th payment

Payment amounts are yours to keep, minus interest, fees, and any outstanding balance owed

FREE monthly FICO score update!

Easy. Smart. Automatic.

Learn more about credit builder loans

Need to grow or improve your credit score? Credit builder loans are designed to help establish positive credit history by providing consistent, on time payments which may positively impact your credit score.

Credit builder loans are small and your automated payments are deposited into a Deposit account that becomes available once the loan is paid off. 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 boost your score.

With Boost Your Score, we’ll also provide an additional way to improve your credit via your new secured credit card. For those who have limited credit history or a poor credit score, the Boost Your Score program provides our customers with a secured credit card after your fourth payment. This is a brand new line of credit that is pre-approved, and you’ll be generating positive credit history with each automatic payment. Or you can wait until the program is and everything you’ve saved, minus interest, fees, and any outstanding balance owed, is yours to keep.

This is credit boosting made easy!

Pick Your Boost Boost Your Credit at Your Pace

Choose your credit boosting commitment level

 

 
  • Payments Reported as Positive Credit History
  • Access to a Secured Credit Card
  • FREE Monthly FICO Score Update
  • Get Back
  • Total Payment
  • Monthly Cost

Mini Boost

$30 /mo
  • for 12 months
  • Payments Reported as Positive Credit History
  • Access to a Secured Credit Card
  • FREE Monthly FICO Score Update
  • Get Back$300
  • Total Payment$360
  • Monthly Cost$5

Boost

$64 /mo
  • for 12 months
  • Payments Reported as Positive Credit History
  • Access to a Secured Credit Card
  • FREE Monthly FICO Score Update
  • Get Back$650
  • Total Payment$768
  • Monthly Cost$9.83

 

 

  • Est. APR - 34.82%
  • Est. Interest Rate - 35.56%
  • Loan Amount - $300

  • Est. APR - 31.76%
  • Est. Interest Rate - 32.41%
  • Loan Amount - $650

 

 
  • Payments Reported as Positive Credit History
  • Access to a Secured Credit Card
  • FREE Monthly FICO Score Update
  • Get Back
  • Total Payment
  • Monthly Cost

Mini Boost

$30 /mo
  • for 12 months
  • Payments Reported as Positive Credit History
  • Access to a Secured Credit Card
  • FREE Monthly FICO Score Update
  • Get Back$300
  • Total Payment$360
  • Monthly Cost$5

 

 

  • Est. APR - 34.82%
  • Est. Interest Rate - 35.56%
  • Loan Amount - $300

 

 
  • Payments Reported as Positive Credit History
  • Access to a Secured Credit Card
  • FREE Monthly FICO Score Update
  • Get Back
  • Total Payment
  • Final Monthly Cost

Boost

$64 /mo
  • for 12 months
  • Payments Reported as Positive Credit History
  • Access to a Secured Credit Card
  • FREE Monthly FICO Score Update
  • Get Back$650
  • Total Payment$768
  • Final Monthly Cost$9.83

 

 

  • Est. APR - 31.76%
  • Est. Interest Rate - 32.41%
  • Loan Amount - $650

 

 
  • Payments Reported as Positive Credit History
  • Access to a Secured Credit Card
  • FREE Monthly FICO Score Update
  • Get Back
  • Total Payment
  • Final Monthly Cost

Mega Boost

$82 /mo
  • for 12 months
  • Payments Reported as Positive Credit History
  • Access to a Secured Credit Card
  • FREE Monthly FICO Score Update
  • Get Back$850
  • Total Payment$984
  • Final Monthly Cost$11.17

 

 

  • Est. APR - 27.76%
  • Est. Interest Rate - 28.31%
  • Loan Amount - $850