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Transform Your Life With Strong Credit and Savings

Credit Strong helps you build credit as you grow savings.

Choose the plan that works for you

Build credit by saving each month, cancel at any time

Make payments & track your progress

We provide your monthly FICO® Score, for free

Unlock your savings

Once your loan is repaid, your savings are returned
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“My score went up in the first few months after signing up with Credit Strong and I’m building my savings each month.”

– Zach, Student at University of Texas

“Credit Strong is one of the BEST tools out there for building or rebuilding credit.”

– Lisa, Credit Strong Customer

“After one month my score went up by 90 points! These guys are legit!!”

– Jesse, Credit Strong Customer

“By making my first payment my score went up 50 points”

– Andricka, Credit Strong Customer

Learn How You Can Build Credit Without Using a Credit Card.

Open an Account in Minutes

When you open your Credit Strong account, our bank instantly gives you a loan and places the loan funds in a FDIC insured savings account in your name. The savings account funds are locked to secure the loan.

Track Your Progress

We provide a free FICO® Score monthly so you can track your progress. 90% of top lenders use FICO Scores when making lending decisions.

Make On-Time Payments

Make small monthly payments of principal and interest on your loan. The principal is a payment to yourself and is credited towards the lock on your savings – the interest is what we earn for providing the service.

Unlock Your Savings

When your loan is repaid in full, the lock is removed from your savings account. You’ve built both credit and savings.

Plans and Pricing

Choose the Credit Strong account that’s right for you

BUILD CREDIT

Installment Loan Amount

Number of Payments

BUILD SAVINGS

Funds Deposited in Savings

Account Term

Note: The loan funds that are deposited in your savings account are locked to secure your loan and not available to withdraw until your loan is repaid in-full.
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Benefits of your Credit Strong account

No hard credit pull or inquiry

No upfront security deposit required

Installment loan reported to all 3 major credit bureaus

About Credit Strong

Credit Strong is a division of Austin Capital Bank, a 5-star rated independent community bank and member of the FDIC. We have grown to be one of the preeminent community banks in Central Texas and a national leader in responsible financial services innovation.

You Got This!

Ready to get started? Complete your online application in a few minutes.

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Accountholders must be at least 18 years old and a citizen of the United States or permanent resident with a valid social security number. Applicants for accounts are subject to verification of identity. A valid bank account or debit card account are required for payment. All loans are subject to consumer report review and approval.

Credit Strong is NOT a credit repair service and does not remove negative credit history from your credit profile. Disclaimer: Credit profile improvement is not guaranteed. Changes in your credit score reflect individually specific financial behavior and history. Failure to make minimum required loan payments on-time may result in your loan payment(s) being reported as delinquent to credit bureaus which may negatively impact your credit profile.

Testimonial Disclaimer: Individual results may vary. Unique experiences and past performance for individuals do not guarantee future results for other individuals. Testimonials may not be representative of all individuals and certain individuals may have inferior results than indicated in testimonials.

Credit Strong® is a registered trademark of Austin Capital Bank SSB. FICO® is a registered Trademark of Fair Isaac Corporation. Austin Capital Bank SSB. Member FDIC. Equal Housing Lender. © 2019 Austin Capital Bank SSB. All Rights Reserved.