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Self Lender - Credit Builder Account

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1. A new way to build credit. Build credit while you save (minus fees and interest)

  • 2. Self Financial helps you get a small loan that you save in a CD for 24 months
    3. All payments are reported to the three major credit bureaus as an installment loan which helps consumers build credit.
    4. Savings plans start at $25/month and include credit monitoring
    5. At the end of account term, you’ve built credit history and your CD savings unlock. (minus interest and fees)

     

    Sample loans: $25/mo, 24 mos, $9 admin fee, 15.92% APR; $35/mo, 24 mos, $9 admin fee, 15.97% APR; $48/mo, 24 mos, $9 admin fee, 15.72% APR; $150/mo, 24 mos, $9 admin fee, 15.88% APR. See self.inc/pricing

    Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A. each Member FDIC. Subject to credit approval.

Credit Strong - Instal & Revolv

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Approvel Odds

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Multiple Ways to Build Credit.

A CreditStrong account is the fusion of a secured consumer installment loan and a savings account. During the life of your CreditStrong account you build both credit history and savings.

  • Instantly build revolving credit with no minimum monthly payment required with CreditStrong Revolv
  • Build installment credit and savings with low fixed monthly payments with CreditStrong Instal
  • Build supersized installment credit with supersized plans with CS MAX

Grow Credit

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Approvel Odds

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Grow Credit offers a free Mastercard you can use to pay your subscriptions and build your credit.  Build Credit For Free!

We report your on-time payments to all three major credit bureaus (Equifax, Experian and TransUnion) which helps establish or boost your credit score.
  • Grow Credit is a line of credit and there is no hard credit check, and applying will not impact your credit score.
  • Grow Credit is a MasterCard which can be used to pay for subscriptions and build your credit. You can use your card to pay for any subscription, including Netflix, Spotify, Amazon Prime, and over 100 other services. You can set it and forget it. We automatically debit the cost of your subscription from your bank account every month, ensuring timely payment. Then, we report your progress to all three credit bureaus.
  • You don’t need to have any credit history to sign up, and there is no deposit required for our Build, Grow, or Accelerate plans. For those who do not yet meet our income requirements, Grow has a Secured card option, which requires a $17 deposit.
  • It is free to sign up for a Grow Credit Build account, and there is no obligation to upgrade to a paid account at any time. Free account holders have a $17 monthly limit that can be used exclusively to pay for subscriptions, but it’s reported to the credit bureaus as a $204 line of credit ($17 per month for 12 months).
  • The Grow premium tier comes with a $50 monthly limit, reported to the bureaus as a $600 line of credit. The Accelerate premium tier comes with a $150 monthly limit, reported to the bureaus as an $1800 line of credit.
  • If you don’t currently qualify for a Build account, you can open a Secured account. You will need to put down a $17 deposit, but that deposit will be refunded after 12 months of on-time payments.
  • See all terms and conditions on the application page.
Other FAQ
  • No hard inquiry
  • Grow Credit is available in all US states.

Kikoff Credit Account

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Approvel Odds

Bad Credit

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Build credit with Kikoff.  The safe way to build credit..

We help you establish positive payment history and lower utilization, both important factors for raising your credit score.
  • No credit check. No hard pulls required
  • Starts at $5/mo. Cancel anytime
  • With 0% interest
  • Open your account in minutes
  • Easy & automatic.  With the optional Autopay, never worry about due dates.
How does Kikoff work? Kikoff is a credit-building service designed to help you build credit safely and responsibly. Our products are designed to target the 5 major credit score factors. Kikoff offers 2 products:
  1. Kikoff Credit Account – this is a revolving line of credit. This account builds monthly payment history and helps reduce your credit utilization.
  2. Kikoff Credit Builder Loan – this is an additional product for customers with positive payment behavior on Kikoff products. Credit Builder Loan is a 1-year savings plan for $10/month.
Is this a credit card? The Kikoff Credit Account is a revolving line of credit that gets reported to Equifax and Experian. You are able to use the Kikoff Credit Account to finance the purchase of goods and services from Kikoff. Unlike a credit card, the Kikoff Credit Account can only be used to make purchases from Kikoff (e.g. can’t buy gas or groceries) Which bureaus does Kikoff report to? Kikoff is an official data furnisher to the 3 major credit bureaus: Equifax, Experian, and TransUnion. Please note that reporting depends upon which Kikoff products you have: Kikoff Credit Account reports to Equifax and Experian. Credit Builder Loan (optional add-on) reports to TransUnion and Equifax. Please see all terms and conditions and state availability: https://kikoff.com/terms.pdf

Kovo Credit Builder

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Approvel Odds

Fair Credit

Bad Credit

No Credit

Give yourself the credit you deserve. Sign up to build your credit easily with small monthly payments. Instant approval, no credit check, and no hidden fees. Plus, earn up to 1% on featured loans! The ideal alternative to secured credit cards.
 
Incredible value:
  • Your payment performance is reported monthly to TransUnion®, Equifax®, Experian®, and Innovis®.
  • Earn up to $1,225 in rewards. That’s 5x more value than the cost of Kovo.
  • Lower your monthly interest payments when you have a higher credit score.
  • Better credit makes owning a car and home possible, with higher odds for approval.
  • Get your FICO® Score and see your credit score journey progress every month.
How it works:
  1. Build with Installments: pay $10/month over 24 months.
  2. Learn with Courses: pick up useful skills.
  3. Earn with Rewards: up to 1% back on eligible loan offers.
Key features:
  • Flat monthly rate
  • Instant approval
  • No credit check / no hard pull
  • No bank account needed
  • $0 security deposit
  • $0 setup/admin fees
  • $0 annual fees
  • $0 late fees
  • $0 prepayment fees
  • 0% APR
Requirements:
  • You must be at least 18 years of age
  • You must have a valid U.S. Social Security Number
Available in all 50 states.

1 International and out-of-network cash withdrawal fees apply. Third-party and cash deposit fees may apply.

2 Vana Cash is a prepaid debit card issued by Community Federal Savings Bank (CFSB). Building credit with Vana Cash requires you to also open a virtual secured credit card with CFSB that is reported to the credit bureaus. Use money from your Vana Cash account to create a virtual secured credit card. Your debit card purchases are then added up to create a balance on your virtual secured credit card. As you make these purchases, an amount equal to the balance on your virtual secured credit card is also set aside in your Vana Cash account to ensure you can make timely payments to pay off the balance on your virtual secured credit card at the end of each month, allowing you to build a positive payment history. Credit Vana does not guarantee credit score improvement. Any predicted credit improvement from the use of your virtual secured credit card assumes that you will maintain healthy credit habits, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning, and more.

3 Direct deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.

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