Add 42 points
to your Credit Score in just 6 months*
The easiest credit builder loan. Improve your score today!
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No interest
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No hard credit check
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Cancel anytime
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Keep your bank
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Build on-time payment history
Join the thousands using Cambio to build their credit
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Open your account in less than 3 minutes
A loan that works for you
How it works
Open an account instantly
Connect your primary bank account while we analyze how best to improve your score
Applying for a credit builder loan does NOT hurt your credit
Open an account instantly
Connect your primary bank account while we analyze how best to improve your score
Applying for a credit builder loan does NOT hurt your credit
Receive a secured credit builder loan*
Start building your credit and growing your savings in just 3 minutes
No interest and no hard credit inquiry!
Receive a secured credit builder loan*
Start building your credit and growing your savings in just 3 minutes
No interest and no hard credit inquiry!
Track your progress
Each on-time payment improves your credit score!
Track your credit score improvement at no extra cost
Track your progress
Each on-time payment improves your credit score!
Track your credit score improvement at no extra cost
Unlock your savings
Once you've paid off your loan, we'll transfer all the payments you made back to you.
Unlock your savings
Once you've paid off your loan, we'll transfer all the payments you made back to you.
Impact your credit score
Smart credit building
The credit builder loan targets the most important factors of your credit score
Why is your credit score important?
Your score can get you...
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A new car - auto-loan companies check your score
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A new home - mortgage providers determine how much they'll charge you based on your credit score
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Rental opportunites - Landlords often check credit scores
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Employment - your future employer may check on your credit score
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The best credit card - your score determines how expensive your monthly payments are. A better credit score can also mean better rewards
Bad credit? We can help
Check out our other credit tools
Monthly analysis
Use our powerful AI to find how else you can improve your credit score each month
Remove negative items
Grow your credit score by 100 points! Resolve items hurting your score quickly and easily
Become a credit pro
Complete daily money challenges to boost your skills and master your finances!