Better credit is on the
horizon.
With Credit Builder,1 it’s easy to build credit while saving as little as $10 per paycheck.2 You could improve a low score by an average of 21 points within 2 months.3


Here’s how it works:
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.
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 as little as two months.
Grow Savings
Once you accumulate $500 in savings, that money will be available to be deposited into your Credit Karma Money™ Spend account.
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.

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 credit the easy way?
You could grow your credit by an average of 21 points within 2 months while saving as little as $10 per paycheck.
We don’t charge fees⁵
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.