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¹Average first-year FICO® Score 8 increase of +88 points for CreditStrong account users who signed up in 2024; who started with a score below 550; who had 12 successful monthly 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.

Account holders 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 approval.

CreditStrong is NOT a credit repair service and does not remove negative credit history from your credit profile. 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.

Testimonials reflect one person’s experience and may not be representative of all customers.

*Revolv: Offered at a 0% Annual Percentage Rate (APR). All monthly payments are fully allocated to a designated savings account.

*Magnum: With a $30 monthly payment, a loan of $2000 for 120 months at an annual percentage rate of 13.44% would yield a total payout of $ 2000 at the end of the term.

*Instal: With a $28 monthly payment, a loan of $1,010 for 48 months at an annual percentage rate of 15.61% would yield a total payout of $1,010 at the end of the term.

The New York Times^® is a registered Trademark of the New York Times Company. Investopedia^® is a registered trademark of Investopedia LLC. CreditKarma^® is a registered mark of Credit Karma LLC. TransUnion^® is a registered Trademark of Trans Union LLC. Experian^® is a registered Trademark of Experian Technology Limited. FICO^® is a registered Trademark of Fair Isaac Corporation. Equifax^® and Paynet^® are registered trademarks of Equifax, Inc.

CreditStrong® is a registered trademark of Austin Capital Bank SSB, Member FDIC. Equal Housing Lender. Fort Knox Bank and Fortknox.Bank are trademarks of Austin Capital Bank.