Personal Business


Average FICO®
Score Increase 1

Instal and CS Max Build credit and savings

Instal helps you establish and build credit and savings

Build up to $1,100 of installment credit and savings starting at just $28/mo

Real People. Real Results.

CreditStrong significantly increased my score. 

I truly recommend CreditStrong for anyone who is trying to rebuild credit —it opened up so many new doors since joining and I gained 100 points. Thanks for helping me get my credit where it needs to be. I now have very good credit! 

CreditStrong has helped my credit score go up and stay consistent – I would highly recommend the same thing for anyone who needs help with their credit. 

CS Max emphasizes building larger and longer credit over building savings

Build up to $10,000 of installment credit starting at just $49/mo

Plans and Pricing

Minimum Required
Monthly Payment
History Built
Savings &
Credit Built
$28 48 Months $1,010
$38 36 Months $1,100
$48 24 Months $1,000
$49 60 Months $2,500
$99 60 Months $5,000
$199 60 Months $10,000
Get Started


Instal: In general, 48 months of on-time payment history will have a greater positive impact on your credit profile than 24 months.

CS Max: To accelerate savings growth, select an account with a monthly payment that is about half as much as you want to pay, and pay 2X the minimum required monthly payment each month.

  • Note: A longer positive payment history and length of credit history are more beneficial for your credit profile.

All Instal accounts have a $15 non-refundable administrative fee. All CS Max accounts have a $25 non-refundable administrative fee.

Instal and CS Max accounts have no prepayment or early withdrawal penalties, so you can pay any amount over the minimum required monthly payment or cancel at any time for any reason with no penalty.

Instal and CS Max accounts can positively impact 90% of your FICO Score.

How Instal and CS Max Credit Builder Accounts Work

1. Open an account in just minutes
No credit score required. No hard pull on your credit. Accounts are FDIC insured. 

2. Pick your plan 
Build 24 to 60 months of credit with a payment that fits your budget.

3. Every on-time monthly payment builds credit history and savings
Monthly payments begin one month after opening and are reported to the three major credit bureaus. 

4. Unlock your savings when account is paid off or closed.
Keep your account open to build length and payment credit history or cancel anytime without penalty. 

Get Started
Reports to all 3 bureaus

Reports to Experian, Equifax, and TransUnion

Free FICO® Score monthly​

FICO® Scores are used by 90% of top lenders

No hard credit pull

There is no hard credit pull when you open a credit builder account

Cancel anytime

You can cancel anytime with no penalty

Credit building and security only a real bank can provide.

CreditStrong is part of a FDIC-insured bank, so you know your money and your personal information are safe and secure.


Product Details

Select a product below to see details including payments, interest rate, interest paid, savings progress, and a complete amortization table for each account.

For CS Max accounts, compare making additional payments to making only the minimum required monthly payment in the tables below.

Want to know more?
No chat bots here.

Chat with an Austin, Texas based customer support specialist

  • Hit the ‘help’ button below to chat with a product expert Monday – Friday 8am to 5pm CT
  • After hours, leave a message, and we’ll follow up with you the next business day​ 

Prefer to talk?


After I open my CreditStrong account, what should I expect?

You will immediately have access to your CreditStrong dashboard. You will receive your first FICO Score 8 within two weeks of opening your account and see the date for your next score update. 

For Instal, CS Max, and MAGNUM, your first monthly payment will be due one month after you open your account. When possible, accounts are set up on autopay when opened. You can manually turn off auto-pay by going to the My Account/Payments tab. We recommend that you set up autopay so your payments are made on time. 

Typically, your CreditStrong account will appear on your credit report 30-60 days after you make your first payment. Note: We provide your payment information to the three major credit bureaus, but it can take them some time before they process the information and add the account to your credit report. Unfortunately, each credit bureau individually controls when your payment information will be processed and added to your credit report, and we are unable to expedite this process for you. 

Remember, the most important part of your credit building journey is to pay on time. Payment history makes up 35% of your FICO score, so it is important to avoid any late payments on your CreditStrong account, or it may harm your credit score.

Instal and CS Max are installment credit builder accounts. What is an installment credit builder account?

An installment credit builder account is a cash-secured credit builder loan where the loan funds are deposited in a deposit account in your name and locked to secure the loan. 

You make monthly payments of principal and interest; the principal builds your savings and is returned to you when your account is closed — the interest is how we earn money to provide the service.

Can I have multiple Credit Strong accounts open at the same time?​

Yes, you may have up to six CreditStrong accounts 

  • Up to two Revolv accounts 
  • Up to two MAGNUM / Instal / or CS Max accounts 
  • Up to two CreditStrong Business accounts 

To open multiple accounts, open your first account and successfully make the first payment and any account opening fees. A tile will appear in your dashboard, allowing you to apply for additional accounts. 

If you previously had a CreditStrong account that is now closed, you can open another new account – subject to limitations if your previous account was flagged for suspicious or fraudulent activity. 

1We don’t hide the small print

We’re proud of it


INSTAL and CS MAX: Average FICO® Score 8 increase of 45 points for Instal and CS Max accountholders with a starting credit score under 550 who opened account in Q1 2023 and made at least 3 on-time payments.

No credit score increase is guaranteed. Individual results will vary. Every individual’s credit profile is unique, and your personal credit score may be impacted by all accounts and activity reported on your credit report.

Start building strong credit today for a better tomorrow.


Get Started