Credit Strong Subscribe

Credit Strong Subscribe offers the nation’s most affordable credit builder account. Build strong credit with Subscribe for less than the monthly cost of Netflix.¹



Build your credit for as little as $15/month



Reports an installment loan of up to $2,500 to the 3 major credit bureaus



Increase the average age of your credit history



Grow your savings over time



No fixed commitment – You can cancel any time at no cost

Who are Subscribe accounts designed for?

Low Cost

Subscribe accounts are designed for consumers focused on long-term, low-cost credit building.  Starting at just $15 a month, Subscribe accounts are the most affordable option out there to start building your credit. 


Long Run

Length of credit history comprises 15% of your FICO® Score. Subscribe offers a way to keep a long tradeline on your profile and consistently build up a healthy length of credit history.

Constantly replacing a 12-month credit builder loan is more costly and may dip your credit score each year. Every time the 12 month loan matures it will decrease your length of credit history.


Customize your credit building to suit your needs and timelines. Don’t need all 120 months of credit building?  Subscribe accounts allow you to partially prepay, payoff, or close your account at any time with no fee or penalty.

Decreasing Cost - Increasing Savings

With Subscribe accounts, every month your interest cost goes down and your savings progress accelerates.

The tables below illustrate interest expense vs. savings progress for Subscribe 1000 and Subscribe 2500 accounts.

Subscribe 1000
$1,000 account
Subscribe 2500
$2,500 account

1    Cost comparison of Credit Strong Subscribe 1000 $15 monthly payment vs. Netflix Premium $15.99 monthly payment as of October 7, 2019. Netflix is a registered trademark of Netflix, Inc. 

Note: All amounts above are estimates based on on-time loan payments, actual amounts may vary depending on timing, amount, and number of payments.

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.