Better credit is on the
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
Here’s how it works:
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.
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.
Once you accumulate $500 in savings, that money will be available to be deposited into your Credit Karma Money™ Spend account.
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 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.