Cheese: Credit Builder Account

With a Cheese Credit Builder account, you can save & build credit at the same time.

Need to rebuild your credit score? Have no credit history at all? No problem! The Cheese Credit Builder app welcomes everyone in need to build their credit. Whether you are planning to buy a car, a house, get credit repair, or just start building credit, Cheese is the best credit-building solution to help you reach your goals.

How it works:
1. Apply for an account
- No credit check. No admin fees.

2. Build payment history
- Each on-time payment is reported to all 3 credit bureaus and adds to your savings.

3. Get your money back
- Get your paid-off principal back at the end of the loan term, minus the interest.

Build credit history from day 1
- We will report your first payment history to all 3 credit bureaus (Experian, Equifax, TransUnion) the earliest to speed up your credit-building process as much as possible.

Flexible repayment plans
- Total repayment amount: $500/$1000/$2000; term length: 12/24 months.
- Pick a repayment plan that fits your needs, starting at $24/month.

Auto-save feature
- No missed payments. Stay on track with automatic payments and achieve positive credit reporting. Build Credit while you are asleep!


No hidden fees
- No upfront deposit. No membership fees. We only charge a fixed and low APR.

Cancel anytime
- We know making payments isn’t always easy. Cancel anytime without penalty.

Credit score improvement is the start of achieving financial freedom. Get a Cheese Credit Builder account to grow your credit easily and worry-free! For more information, please contact our email: [email protected].

* APR varies by state of residency, starting from 5%.
* Bank services are provided through our banking software provider, Synapse.