Subscribe 1000
$ 15 /mo
  • $1,000 Installment Account Reported
  • Build credit for just $15 a month
  • Customize your payment terms to be up to 120 months
  • Build savings of up to $1,000
  • Cancel any time with no penalty
Subscribe 2500
$ 30 /mo
  • $2,500 Installment Account Reported
  • Build credit for just $30 a month
  • Customize your payment terms to be up to 120 months
  • Build savings of up to $2,500
  • Cancel any time with no penalty
Build & Save 1000 - 24 Months
$ 48 /mo
  • Save up to $1,000 in just 24 months
  • $1,000 Installment Account Reported
  • Build 24 months of credit history
  • Cancel any time with no penalty
Build & Save 1000 - 12 Months
$ 89 /mo
  • Fast track your savings - save $1,000 in just 12 months
  • $1,000 Installment Account Reported
  • Build 12 months of credit history
  • Cancel any time with no penalty
Build & Save 2000 - 24 Months
$ 96 /mo
  • Save up to $2,000 in just 24 months
  • $2,000 Installment Account Reported
  • Build 24 months of credit history
  • Cancel any time with no penalty
MAGNUM® 4500
$ 49.50 /mo
  • $4,500 Installment Account Reported
  • Supercharge your personal credit for business purposes
  • Demonstrate repayment on larger credit obligations
  • Customize your payment terms to be up to 120 months
  • Build savings of up to $4,500
  • Cancel any time with no penalty
MAGNUM® 9000
$ 99 /mo
  • $9,000 Installment Account Reported
  • Supercharge your personal credit for business purposes
  • Demonstrate repayment on larger credit obligations
  • Customize your payment terms to be up to 120 months
  • Build savings of up to $9,000
  • Cancel any time with no penalty
MAGNUM® 18000
$ 198 /mo
  • $18,000 Installment Account Reported
  • Get the largest credit builder account available
  • Demonstrate repayment on larger credit obligations
  • Customize your payment terms to be up to 120 months
  • Build savings of up to $18,000
  • Cancel any time with no penalty

Every plan is no risk.

  • No credit score required
  • No upfront security deposit
  • No credit check – easy approval
  • Cancel any time at no cost
  • No hard credit inquiry

You can select a plan during the application.

Questions about pricing

What is a Credit Strong account?

A Credit Strong account is the fusion of a secured consumer installment loan and a savings account. During the life of your Credit Strong account you build both credit history and savings.

How exactly does a Credit Strong account work?

When you open a Credit Strong account:

  • Austin Capital Bank gives you an installment loan and places the borrowed funds in a savings account in your name
  • You do not receive the funds on day one, they are instantly deposited into the savings account
  • A lock is placed on the funds in the savings account to secure the loan
  • Each month you make a single, fixed monthly payment of principal and interest on the loan
  • The principal portion of your loan payment is credited towards the lock on your savings account and the interest portion of your payment is how we cover the costs of providing the service to you
  • During the term of your account we report your loan payment history to all three major credit bureaus and you earn interest on your savings account balance
  • When the loan is paid in-full, the lock is removed from the savings account and the funds become available to you

You end up with payment history for an installment loan on your credit report, which accounts for 35% of your FICO credit score, and the money you’ve saved up in your savings account.

Is Credit Strong legit? How do I know this isn’t a scam?

Credit Strong is a division of Austin Capital Bank. Austin Capital Bank is a 5-star rated FDIC insured Texas State Savings Bank, located in Austin, Texas. As an FDIC insured bank, Austin Capital Bank is subject to rigorous federal and state oversight and examinations on a regular basis by the Federal Deposit Insurance Corporation and the Texas Department of Savings and Mortgage Lending.

What credit score do you provide?

We are proud to provide you with your FICO 8 credit score from TransUnion. FICO is the credit model used by 90% of lenders to make consumer credit decisions.

Do you perform a ‘hard’ inquiry or pull on my credit report?

No. There is no credit check when you apply for a Credit Strong account.

Do you report to all three major credit bureaus?

Yes. We report your payment history directly to the three major credit bureaus; Experian, Equifax, and TransUnion.

Your Credit Strong account installment loan will be listed under “AUSTIN CAPITAL BANK SSB” on your credit report.