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Credit Building
on Autopilot

  • No Credit Check or Admin Fees

  • Get a Custom Credit Builder Loan

  • Use Rent to Build Better Credit

Save Money and Build Your Credit

Building credit can be complex. From deposits and credit utilization, it can be hard to know where to start. Cheese makes it easy. You don’t have to put money down upfront, and our credit builder loan helps you build credit faster. 

1. Customize Your Account

Start saving with a credit builder loan of as little as $500, depending on your needs. Choose a term length of 12 or 24 months and turn on autosave. You don’t even have to think about it!

2. Auto Save Builds Your Credit

Use our autosave feature, and we take care of the rest! Your savings are reported to credit bureaus and help improve your score. Meet your credit goal and build your savings at the same time!

Build Credit and Save Money
in 3 Easy Steps

Building credit can be complex. From deposits and credit utilization, it can be hard to know where to start. Cheese makes it easy.

Customize Your Credit Builder Loan Account

Apply a credit builder loan of as little as $500 (This is also your savings goal), Choose a term length of 12 or 24 months depending on your needs.

Save Money to Build Your Credit

Use our autosave feature, and we take care of the rest! Your savings are reported monthly as payment records to all three credit bureaus and help build your score.

You Build Credit and Money Saved!

Meet your credit goal and build your savings at the same time! Your savings are FDIC insured and will be automatically transferred back to your bank account at the end.

Why Cheese is Better

Cheese is the most convenient and delightful way of building credit.

Repayment Safety Net

We make sure your savings are on time in order to report positively to the credit bureaus. You have the option to terminate the loan earlier if you can't make it.

ONE Account Does It All!

Managing multiple accounts and secured credit card could be confusing and tiring. Cheese keeps everything simple and straight forward.

No Redundant Fees

You don’t have to put money down upfront. No more admin and membership fees. We only charge a fixed and low APR.

Check My Local APR

Your Savings are Always FDIC Insured.

The bank services are provided by Synapse's partner banks, Members FDIC. Your account is protected for up to $250,000.

The Rent You Already Paid Can Also Boost Your Credit!

Cheese also helps you report your rental history for an instant credit score impact!

Up to 2 Years of Rental History

This one-time report could help you significantly boost your credit score in a short time. This is a great bundle with the Cheese Credit Builder Loan.

Future Rent Payment

Sign up to use your future rent payments to contribute to your credit. Make your rent payments meaningful to your credit score.

Common Questions

01

Why credit builder loan is better than credit builder cards / secured credit cards?

Secured cards require upfront deposits in order to begin using the card and building credit. With Cheese, you don't need to spend extra money or worry about spending over the credit limits which can cause negative impact on your credit score. Moreover, Cheese credit builder loan is also a good credit mix for your credit profile.

02

When can I access my savings?

You will be able to get your savings back when the loan matures. We will automatically transfer your savings back to the bank account you connected.

03

How can Cheese impact my credit score?

While Cheese definitely helps you build credit by impacting some of the largest contributors to your credit score like payment history, credit utilization, age/type of credit.. We cannot give you a guarantee on the exact score impact. In fact, none of the credit builders in the market can guarantee you a specific score change since we cannot control all your financial behaviors.

04

Can I close my credit builder loan?

We know making deposits isn’t always easy. You can contact Cheese customer service support@earncheese.com to close your credit builder loan account and we will report your account as closed in good standing.

What Our Customers Say

“A truly great service”

I was having a hard time getting approved for any type of loan or credit. I didn’t want to put money down for a secured card, and Cheese has made it so easy! No credit checks and the ability to set my own terms for savings. My credit score is already going up!

Tony H.
Establishing Credit

“My credit is on the rise!”

After years of trying to improve my credit score, I decided it was time to get serious because I want to buy a house. Cheese was able to help me reach my savings goal and increase my credit way faster than on my own. Being able to report my rental history gave me an immediate jump in my score!

Jenny L.
Home Buyer

“The best customer service”

Cheese makes everything simple through their app, but it’s great to know that there is support accessible whenever I need it with an actual person on their Live Chat!

Kevin C.
Rebuilding Credit

Apply with Confidence

Download the Cheese mobile app and sign up in under 5 minutes! Join over 50,000+ members using Cheese today!

Apply Now
  • Build Credit & Save Money

  • No Credit Check. No Upfront Costs

  • FDIC Insured

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