Build Credit for
Your Future
Stay on top of your credit by opening a credit builder account with Cheese
The most hands-off way to build credit without a credit card.
Just pick a deposit amount, enable autopay, and Cheese takes care of the rest.
Build by saving
Your money is protected in a bank account. You will get your money back at the end of 12 or 24 months.
No hard pull
It won't hurt your credit score.
No Fees
We only charge a fixed and low APR.
Track your credit
With credit monitoring, easily spot issues and stay on track to build your credit score.
How doesCheesework?
Build credit while building savings, starting at $24 a month.*
1. Create an account
Your money is secured and protected in a bank account.
2. Pay off the loan
Each on-time payment builds credit history with all three credit bureaus.
3. Get money back
Your paid off loan unlocks your CD and you get the money back, minus interest.
No credit history? Rebuilding credit?
What’s your goal?
Customize your Cheese
Want to improve your credit to buy a home, qualify for a credit card or simply to prepare for the future? Cheese can help. Change of mind? Cancel anytime.*
Choose your deposit amount
Choose your desired deposit goal: $500, $1,000, or $2,000 – the freedom is yours!
Choose your term length
Pick the payment history length that suits you best: 12 or 24 months.
Customize My Cheese Hear what our amazing customers say
Over 48,000 people have signed up to build credit with Cheese
" I'm planning to become a home owner soon. "
“I'm planning to become a home owner soon. This credit builder is one of the best I’ve seen. Very low payments a month while saving money and building your credit. I definitely recommend Cheese.”
"a game-changer for me"
“I have been using Cheese Credit Builder for one month now, and I can honestly say that it has been a game-changer for me. One of the things I love about Cheese Credit Builder is that it allows me to save money while also building my credit score. Every time I make a payment on my Cheese account, that payment goes into a deposit account. This has been incredibly helpful for me because it has allowed me to start building up an emergency fund, something I never had before.”
" best way to build credit "
Cheese is not only the best food, but the best way to build credit. Simple to sign up, easy to understand how it helps your credit and a cute design (not just yuck numbers when checking the app, too many banks are just numerical, give me the cheese doodles!) I recommend Cheese to any and everyone needed to build/raise their credit scores.
Get Cheese today.
We're here to help you build credit - Finally, an easy way to build credit.
Start Building My Credit 
