Better Credit
Starts Now

No minimum credit score required. No hard credit check. No worries.

Average credit score increase of

+45 points!1

Instal targets the pain points of your credit profile so you see results ASAP

Engineered for bigger and better credit on your terms

Payment history contributes 35% of your FICO® score. CreditStrong impacts 90% of your FICO® Score. Get better credit with the best plan for you

Credit building and security

only a real bank can provide.

CreditStrong is part of a FDIC-insured bank, ensuring your money and personal information are safe and secured up to $250,000.

Get Started

Real People.
Real Results.

CreditStrong significantly increased my score.”


“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. 


Start building credit today for as low as
$28 a month


Complete the CreditStrong account application in under 5 minutes


Choose a plan that fits your budget and pay the (small) admin fee


Make on-time monthly payments and track your FICO score from your CreditStrong dashboard


We report to all 3 credit bureaus — FICO® Scores are used by 90% of top lenders.


Build savings as you build credit – close your account at any time


Plan Options


$28 – $48

Monthly Payment

$15 Due today

  • $1,000 to $1,100 installment loan added to your credit profile
  • Build payment history for up to 48 months
  • Great if you want to start building credit for the lowest monthly payment available

CS Max

$49 +

Monthly Payment

$25 Due today

  • $2,500 to $25,000 installment loan added to your credit profile
  • Build payment history for up to 60 months
  • Great if you can make larger monthly payments to build larger credit


$30 +

Monthly Payment

$25 Due today

Our largest credit builder loans of $2,000-$30,000 is designed to supercharge your credit. Longer loan terms of 10 years (with no pre-payment or early cancellation fees) means lower monthly payments. Perfect if you have the cash and want to establish larger, long-term credit.

No Credit?
Bad Credit?

No Problem

Whether you’re just starting your credit journey or in the process of rebuilding your credit, we are here for you.

Report to
all 3 bureaus

CreditStrong 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 CreditStrong credit builder account

You can
cancel anytime

You can cancel anytime with no penalty


Want to know more?
Chat with a real live person based in
Austin, Texas.

Chat with a CreditStrong product expert

Chat Monday – Friday 8am to 5pm CT. After hours please leave a message and we’ll follow up with you the next business day​.

Prefer to talk?

Call us at 833-850-0850 Monday – Friday 8am to 5pm CT

We don’t hide
the small print.
proud of it. 

1 Average FICO® Score 8 increase for Instal/CS Max account holders 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.