Due to concerns for the safety and health regarding the coronavirus, also known as COVID-19, we want to reassure you that CreditStrong, a division of Austin Capital Bank is taking measures to protect you the customer and our employees, to maintain an uninterrupted level of service that you can rely upon.

    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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    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

    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.

    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.