What is the Credit Builder Plus membership?

Credit Builder Plus is a powerful membership that helps you build your credit over time to meet your long-term goals with a credit builder loan up to $1,000. There's no credit check to apply.  You simply link your bank account, and we'll securely look for a few factors like income and healthy financial habits to qualify you. 

With a Credit Builder Plus membership, you get:

  • Credit Builder Loan – You'll qualify for up to $1,000 based on your linked account. Some of the funding you'll receive right away, and some we'll save for you in a Credit Reserve Account in your name to help you save while you build credit. You'll get access to those funds to spend on whatever you want about 10 business days after you pay your loan in full. 
  • Credit building and reporting – We report your loan payments to all three credit bureaus to help you build credit, and you'll get weekly credit score updates in the app track your progress.
  • 0% APR Instacash advances up to $50 per pay period any time day or night
  • Monthly Lion’s Share Loyalty Program payouts up to $19.99

You get all this for just $19.99/month (plus your loan payment).

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