Better credit is on the
horizon.

With Credit Builder,1 you could improve your credit score by an average of 21 points in 4 days2 – all while saving as little as $10 per paycheck.3

Learn More

Here’s how it works:

faq

Get Started

Set up a Credit Builder plan through your Credit Karma Money™ Spend account.4 Then choose how much and how often you want to save. After that, we’ll deposit the amount into a locked savings account for you.

faq

Build Credit

Repay us for the savings deposit. Your regular payments are reported to the three major credit bureaus, which could help you increase your score in 4 days of starting your plan.

faq

Grow Savings

Once you accumulate $500 in savings, that money will be available to be deposited into your Credit Karma Money™ Spend account.

faq

Maximize Impact

Repeat steps 1-3 or opt in to AutoSave to automate your savings and payments. Add direct deposit into your Spend account so you always have a steady flow of savings.

Credit Builder: How it Works

You’re eligible to apply if your TransUnion credit score is 619 or below at the time of application. We expect members with a credit score of 619 or under could see an increase in 4 days of activating the plan. Late payments can have a negative effect on your score, and other factors can impact it, including activity with your other credit accounts.

Ready to start building credit the easy way?

You could grow your credit by an average of 21 points in 4 days while saving as little as $10 per paycheck. All you need is a connected paycheck5 or a Qualifying Direct Deposit6 to get started.

We don’t charge fees7

100% free. No account setup fees, monthly fees or interest fees.

Build meaningful savings

The money you contribute could help kickstart a stronger financial future.

No credit check

No hard pull. No messy paperwork. Just a couple of clicks and you could be instantly approved.

Start taking your credit
score to new heights!

Let's do this

1 Credit Builder plan requires you to open a no-fee line of credit and a no-fee savings account, both provided by Cross River Bank, Member FDIC. Credit Builder is serviced by Credit Karma Credit Builder. You’re eligible to apply for Credit Builder if your TransUnion credit score is 619 or below at the time of application. A connected paycheck or QDD is required. For QDD, must be received in the current or prior month before application, or 90 days after application submission.

2 Members with a TransUnion credit score of 619 or below who opened a Credit Builder plan and had it reported on their TransUnion report saw an average credit score increase of 21 points in 4 days of activating the plan. Late payments and other factors can have a negative impact on your score, including activity with your other credit accounts.

3 You may enroll in the optional AutoSave Program, which allows you to automatically save as little as $10 per paycheck if you contribute biweekly or semimonthly and as little as $20 per paycheck if you contribute monthly. If you do not enroll in AutoSave, any contribution you make to Credit Builder may not be less than $10.

4 Banking services for your Spend account is provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply per account. Credit Builder is not provided by MVB Bank.

5 We partner with Pinwheel to securely connect you with thousands of payroll providers.

6 A Qualifying Direct Deposit (“QDD”) is a single deposit into your Credit Karma Money Spend Account that is initiated from outside of the Credit Karma Money Platform. Transactions that are not QDD include: Promotional deposits into your Spend account made by Credit Karma; transfers from your Save account; or transfers initiated from the Credit Karma Money platform.

7 There are no fees for the Credit Builder plan. For Credit Karma Money Spend: Third party fees may apply. Please see Spend Account Terms & Disclosures for more information.