Credit Feen's:
Loan Builder Guide
Start Where You Are. Build Where You’re Going.
You don’t need perfect credit—or any credit—to get started. Credit builder loans are designed for one purpose: to help you build positive payment history and prove you’re financially responsible. No hacks. No shortcuts. Just smart, steady progress. In this guide, you’ll find trusted options, real results, and everything you need to get started--the Credit Feen way.
You don’t need perfect credit—or any credit—to get started. Credit builder loans are designed for one purpose: to help you build positive payment history and prove you’re financially responsible. No hacks. No shortcuts. Just smart, steady progress. In this guide, you’ll find trusted options, real results, and everything you need to get started--the Credit Feen way.
Loan Builder Options
1. Self Credit Builder Loan
- Annual Fee: $0
- Loan Amount: Varies based on plan (typically between $500–$1,700)
- Reports to: Experian, Equifax, TransUnion
- Highlights: Build credit by saving money with a secured loan; flexible terms and monthly payments
- Apply: self.inc
2. CreditStrong Credit Builder Loan
- Annual Fee: $0
- Loan Amount: $1,000 to $10,000 (secured and unsecured options)
- Reports to: Experian, Equifax, TransUnion
- Highlights: Low interest rates, flexible loan terms; helps build credit while building savings
- Apply: creditstrong.com
3. Kikoff Credit Builder Loan
- Annual Fee: $0
- Loan Amount: $500
- Reports to: Experian, Equifax, TransUnion
- Highlights: No credit check, no interest, and low monthly payments to build credit
- Apply: kikoff.com
4. Upgrade Credit Builder Loan
- Annual Fee: $0
- Loan Amount: $500 to $3,000
- Reports to: Experian, Equifax, TransUnion
- Highlights: No security deposit; flexible payment options with a fixed rate and term
- Apply: upgrade.com
5. OpenLending Credit Builder Loan
- Annual Fee: $0
- Loan Amount: $500 to $5,000
- Reports to: Experian, Equifax, TransUnion
- Highlights: No minimum credit score required; low monthly payments; easy process to improve credit
- Apply: openlending.com
6. Earnest Credit Builder Loan
- Annual Fee: $0
- Loan Amount: Varies based on plan (typically from $500–$2,000)
- Reports to: Experian, Equifax, TransUnion
- Highlights: Borrowers pay into their own savings account while building credit; flexible loan terms
- Apply: earnest.com
7. LendingClub Credit Builder Loan
- Annual Fee: $0
- Loan Amount: $1,000 to $40,000
- Reports to: Experian, Equifax, TransUnion
- Highlights: Build credit by securing a loan; flexible loan terms
- Apply: lendingclub.com
8. Avant Credit Builder Loan
- Annual Fee: $0
- Loan Amount: $500 to $3,000
- Reports to: Experian, Equifax, TransUnion
- Highlights: No credit check required; low-interest rates and fixed terms
- Apply: avant.com
Credit Feen Tip: When selecting a loan credit builder option, choose a lender that reports regularly to all three bureaus and offers flexible payment terms. Consistency in making payments on time can significantly improve your credit score.
*This document is intended for educational purposes only