CreditStrong Instal

Entry-level credit building

Start Building Credit

+88 points (footnote 1)

average FICO® Score increase for our customers

Reports to all 3 major credit bureaus
No hard credit pull
Free FICO^® Score monthly
Backed by Austin Capital Bank, Member FDIC

New to credit

Instal is our affordable entry-level credit builder account

Instal reports a $1,010 installment tradeline for just $28/month..

Track your progress every month.

Every account comes with:

Free FICO® Score 8 every month to track your progress
90% to 95% of top U.S. lenders use FICO® Scores to make lending decisions

Quick answers

Do I get the loan funds today?No
Is there a hard or soft pull on my credit?No
Is this a traditional personal loan?No
Is the installment tradeline reported to Experian, Equifax, and TransUnion?Yes
Can I pay off, pay down, or close my account early?Yes

FAQs

What is CreditStrong, and how do you help my credit? +

CreditStrong accounts are secured credit builder accounts designed to make building credit history accessible, safe, and affordable. With a range of plans, you can choose one that fits your budget and your goals.

For more information, visit our Support Center.

How soon will I see results? +

Everyone’s credit is different, so results will vary. Your score could change as soon as your account is first reported, or it may take a few months. Most users see improvements in 3–6 months, with the biggest results after 12 months.

CreditStrong Revolv accounts are reported 15 days after opening. Installment accounts (Instal, Magnum) are reported at the beginning of the month after your first payment.

All accounts are reported to Experian, Equifax, and TransUnion by Austin Capital Bank.

What does CreditStrong cost? +

We offer plans for a range of goals and budgets. Revolv accounts start at $15/month, a simple fixed subscription with 0% interest and no hidden fees.

Our installment accounts start at $16/month for MAGNUM and $28/month for Instal, with a fixed monthly payment and interest rate based on the plan you choose.

How do I get started?+

Apply in just minutes! CreditStrong offers secured credit builder accounts, so there’s no hard credit pull to apply. Just choose a plan and enter your information.

CreditStrong is available to U.S. residents 18 or older with an SSN or ITIN, and there’s no minimum credit score required. CreditStrong is not currently available in Vermont or Wisconsin.

Want to know more?

Get answers, 24/7

Chat with our virtual assistant 24/7 for quick answers

Connect with us?

Call 833-850-0850 for Austin-based support, Mon–Fri, 8AM–5PM CT.

Visit our support center

Access online(opens in new tab) to learn more about your credit journey

See what 1M+ members are saying about CreditStrong.

“Not only am I approaching 700, but it’s been less than a month. Literally the best thing that’s happened to me.”
Kimi

“After almost four years with my auto loan, my credit score barely moved. I am in my third month with CreditStrong and my score has jumped over 45 points, and I just received my first credit card today. I had to change my payment to a new debit card and their customer service representative was extremely helpful and kind. Highly recommend this company.”
Ron

“Been on it for 6 months and my score is up 122 points. Along with fixing my credit, CreditStrong has worked wonders.”
Mathue

“I was so happy, and my credit offers got better, car loans got better. My life got better, and I thank you guys very much for helping me achieve that. I couldn’t have done it without you guys. My new goal is 800.”
Kymani N.

“The process was simple, payments were easy to manage, and it helped me raise my credit score faster than I expected. I recently canceled my loan because I reached the credit score goal I was working toward, and I couldn’t be happier with the results. If you’re looking for a straightforward way to build your credit, I’d definitely recommend giving Credit Strong a try.”
Damarko

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