Build your credit without extra debt.1,2 Ditch managing more debt and complicated accounts.
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Over 4 million users
Whether you have no or bad credit, you can start building your credit in seconds with instant approval. No credit needed and no hard credit pull.
Forget about paying upfront fees, deposits, or interest. Members build credit by saving as little as $1 a month.
Build positive payment history – the single most important factor for your score.
We’ll help you apply for a 24-month loan and keep the funds in a locked deposit account in your name. This starts building your credit history and improves your credit mix.
Choose how much you’d like to contribute towards your monthly payment. If you choose less than $25, the rest will be paid from your deposit account with the loan proceeds. Your contribution will become savings.
Each payment is reported to the three major credit bureaus—Experian, Equifax, and TransUnion. On-time payments build positive payment history and your credit.
After 24 months, you’ll have paid off the loan. You’ll have shown positive payment history, built credit, and had access to 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."
For as little as $1/month, we’ll help you build positive payment history.
Approval for an advance is a few taps away. No late fees. No credit check.
Understand your spending and earning trends.
Keep your identity safe from fraud with up to $1 million in identity theft protection.
How does the Credit Builder account work?
Brigit arranges a Credit Builder installment loan for you and deposits it into a brand new deposit account with Coastal Community Bank.
What is a Credit Builder loan with Brigit?
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.
Will there be a hard pull of my credit score when I open my Credit Builder account?
There is no hard pull of your credit score and no credit score needed to use Credit Builder. There is a credit check done as part of opening your Brigit Credit Builder loan (it won’t impact your score). Every month, we will report to the credit bureaus all account and payment information related to your loan, which will impact your credit score.
How will the Credit Builder account affect my 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
Why should I sign up for Brigit’s credit builder account?
Brigit’s Credit Builder 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. You can withdraw your savings at any time.
Do you report to all three credit bureaus when building credit with Brigit?
Yes! Your Credit Builder payments and current Credit Builder loan balance are reported to all three bureaus, TransUnion, Experian, and Equifax, every month.
Can I cancel my Credit Builder account at any time?
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.
What happens to my loan?
Your loan proceeds get deposited into an FDIC-insured deposit account in your name that only Brigit is able to access. Brigit uses these funds to pay the remainder of your monthly loan balance. Your contribution can be as little as $1—the difference between the amount you contribute and the amount that is due comes from the $600 loan in the locked deposit account.
The $600 loan will show up on your credit report although you are not receiving the proceeds. This is how Brigit helps you build your credit!
Can I access the money from my Credit Builder loan?
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 withdraw your savings at any time directly in the Brigit app.
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.
How can I access my Credit Builder savings?
You can access your Credit Builder savings at any point by heading to the Credit Builder section in the Brigit app and tapping on “Withdraw Funds.” From there, select the amount you’d like to withdraw, either a partial amount or the entire amount that you have saved up to this point. Keep in mind that the savings will be transferred to the checking account you have linked to your Brigit account.