Introducing Credit Builder,
the easy way to build your credit.

Learn More

How Credit Builder works:

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Get Started

Set up a Credit Builder plan1 through your Credit Karma Money Spend account2. Then choose how much and how often you want to save. And our partner, SeedFi, will deposit the amount into a locked savings account for you.

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Build Credit

Repay SeedFi for the savings deposit they made. Your regular payments are reported to the three major credit bureaus, which could help you increase your score in as little as two months.3

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Grow Savings

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

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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 through Credit Karma Money 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 as little as 2 months. 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 your score?

Putting aside just $10 per paycheck could set you on a course towards better credit.

We don’t charge fees⁴

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

Save at your own pace

Pause your progress anytime and get back to saving when you’re ready.

No credit check

No hard pull. No messy paperwork. Just a couple of clicks and you could be instantly approved and on your way to building credit.

Start taking your credit
score to new heights!

Let's do this

1 Credit Builder plan is serviced by SeedFi and requires a no-fee SeedFi line of credit and SeedFi savings account provided by Cross River Bank, Member FDIC. You’re eligible to apply through Credit Karma Money if your TransUnion credit score is 619 or below at the time of application. Funding your Credit Karma Money Spend account is required to activate Credit Builder.

2 Banking services for Credit Karma Money 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, Inc..

3 We expect members with a credit score of 619 or under to see an increase in as little as 2 months, plus a bit more in 6 months. Late payments can have a negative effect on your credit score, and other factors can impact your score, including activity with your other credit accounts. With Credit Builder, you can elect to 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 elect to enroll in AutoSave, any contribution you make to Credit Builder may not be less than $10. For more information, please see our FAQs.

4 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.