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Whether you have no or bad credit, you can start building your credit in seconds with instant approval. No credit check needed.
Forget about paying upfront fees, deposits, or interest. Members build credit by saving just $5 a month.
Build positive payment history – the single most important factor for your score – and grow your score in as little as a few weeks.
We will take out a 12-month loan for you and keep the funds in a brand new deposit account. This starts building your credit history & improves your credit mix.
Choose how much you’d like to contribute towards your monthly minimum payment. If you choose less than the full amount, the rest will be paid from the loan proceeds in your new deposit account.
Each payment is reported to all three major credit bureaus. This builds positive payment history and your score.
After 12 months, you'll have paid off the entire loan. Not only will you have a better score, but you’ll also get back all the money you contributed with your credit builder payments.
"I saw my credit score jump by 79 points with Credit Builder—in just the first month! I’d recommend Brigit to any of my friends as an easy way to build credit."
"I was approved instantly! Brigit has helped me establish on-time payment history that will stay on my credit report for the rest of my life. It's an easy, safe, and secure way to build your credit."
"Credit Builder is helping me heal my credit so I can buy my dream house one day. With Brigit, it’s like I have a team of experts right at my fingertips, helping me live a better financial life."
Watch your score go up by 60 points* in just 3 months with low monthly payments that build payment history.
Tap to get an advance within seconds. No interest. No credit check.
Understand your spending and earning trends.
Keep your identity safe from fraud with full credit reports and up to $1 million in identity theft protection.
Brigit opens a credit builder installment loan for you and deposits it into a brand new deposit account with Coastal Community Bank.
A credit builder loan with Brigit is an installment loan that helps you build positive payment history, the most crucial factor for your credit score.
The difference between a credit builder loan with Brigit and a traditional loan is that the loan proceeds are held in a secure deposit account that we open in your name and can be used to help pay a portion of each monthly payment. This allows you to minimize the amount of money you need to contribute each month while still demonstrating positive payment history against a larger loan.
We report every payment you make to the three major credit bureaus, helping you build up your credit by establishing positive payment history.
No. There is no credit check done as part of opening your Brigit credit builder loan (and no minimum credit score required). Every month, we will report to the credit bureaus all account and payment information related to your loan, which will impact your credit score.
When you first open your credit builder account, you might see a small dip in your score. This is normal; it happens whenever new credit accounts are added to your report.
As you start making monthly payments towards your credit builder loan, we report them to the three major credit bureaus, building positive payment history, the most crucial factor for your credit score.
Brigit’s credit builder account is designed to help you build your credit score fast by showing the credit bureaus positive payment history, the most crucial factor for your score. It also helps you grow your savings, as each payment that you make towards your minimum monthly payment is added to your newly established deposit account at Coastal Community Bank and given back to you once your loan is repaid in full.
Yes! Your credit builder payments and current credit builder loan balance are reported to all three bureaus, TransUnion, Experian, and Equifax, every month.
In order to open your credit builder loan, you must sign up for Brigit Plus, which costs $9.99 a month, and commit to contributing at least $5 a month towards your monthly credit builder loan repayment. There are no other additional costs. No interest. No late fees. Nothing.
No. Brigit does not perform a credit check when you open your credit builder account, and get your credit builder loan. We collect some personal information in order to verify your identity, but we do NOT perform a hard credit inquiry, and there is no minimum score required to open the account.
Yes. Sometimes financial circumstances change, so we do allow you to cancel your credit builder account at any time. Should you choose to do so, any remaining loan balance will be paid from your deposit account, and any amount remaining may be sent to your connected bank account.
No. Unlike traditional personal loans or Brigit Instant Cash, you do not have access to the money from your Brigit credit builder loan. When your credit builder account is opened, the loan proceeds are held in a new, secure deposit account that we open in your name. You can access any funds remaining in your deposit account once your loan is paid off in full.
Why? Your Brigit secure deposit account is designed to facilitate on-time payments and establish a positive payment history, the most important factor for your credit score.
If you need access to money immediately, consider using Brigit Instant Cash instead.
We choose loan size and term to be both impactful and affordable. Brigit calculates your credit builder loan size and term at the time you open your credit builder account. You get the benefits of demonstrating positive payment history while keeping your monthly payments low.