How do I qualify for Credit Builder Plus membership?

Applying is quick and easy in the MoneyLion app. Just link your primary checking account, and we’ll securely scan your finances to see if you qualify. While no credit check is required, you must link a checking account that meets the following criteria to be eligible:

  • The account is in good standing (at MoneyLion’s discretion) and has a detectable income stream (i.e., it’s where you deposit your paychecks/salary). 
  • The account has been open for at least 60 days.
  • The account demonstrates an acceptable balance and active transaction history. 

Our system will review your linked account for healthy and responsible financial behavior and let you know if you’re approved for the Credit Builder Plus membership almost instantly. If your account doesn’t qualify, please try again when it has been open longer and/or had more consistent deposits and positive balance — or try connecting another checking account!

Here are a few more tips on qualifying for Credit Builder Plus:

  • Connect a checking account. Any account that cannot be confirmed as a checking account, such as a savings or money market account, will not qualify. 
  • Enter your information as it appears on your checking account. We’ll check the information you enter against the details we receive from your linked account to make sure they match.
  • Make sure your information matches your public records. We’ll also check the information you enter against electronic public records. If you suspect that your public records are incorrect, contact us with supporting documents such as a bank statement matching a utility bill and we may be able to manually verify your identity.
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