Cheese: Credit Builder Account

893 reviews
Content rating
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About this app

With a Cheese Credit Builder account, you can save & build credit at the same time.

Need to rebuild your credit score? Have no credit history at all? No problem! The Cheese Credit Builder app welcomes everyone in need to build their credit. Whether you are planning to buy a car, a house, get credit repair, or just start building credit, Cheese is the best credit-building solution to help you reach your goals.

How it works:
1. Apply for an account
- No credit check. No admin fees.

2. Build payment history
- Each on-time payment is reported to all 3 credit bureaus and adds to your savings.

3. Get your money back
- Get your paid-off principal back at the end of the loan term, minus the interest.

Build credit history from day 1
- We will report your first payment history to all 3 credit bureaus (Experian, Equifax, TransUnion) the earliest to speed up your credit-building process as much as possible.

Flexible repayment plans
- Total repayment amount: $500/$1000/$2000; term length: 12/24 months.
- Pick a repayment plan that fits your needs, starting at $24/month.

Auto-save feature
- No missed payments. Stay on track with automatic payments and achieve positive credit reporting. Build Credit while you are asleep!

No hidden fees
- No upfront deposit. No membership fees. We only charge a fixed and low APR.

Cancel anytime
- We know making payments isn’t always easy. Cancel anytime without penalty.

Credit score improvement is the start of achieving financial freedom. Get a Cheese Credit Builder account to grow your credit easily and worry-free! For more information, please contact our email:

* APR varies by state of residency, starting from 5%.
* Bank services are provided through our banking software provider, Synapse.
Updated on
Sep 25, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Financial info, and Device or other IDs
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit

Ratings and reviews

886 reviews
Aaron C
October 20, 2021
I feel like there's a lot of potential for this app, but it currently feels a bit immature. A bit buggy, and they may have people performing a lot of manual operations in the background. I've had one cash back reward report with the wrong amount (this is a little alarming, because this process should be automated), and another award didn't post. Their customer service rep fixed both issues promptly after I emailed them with their in-app interface. I've only had the card for a few weeks, and 2 out of 5 transactions didn't process accurately, which isn't great. It looks like they're integrating with Dosh, which doesn't have the best reviews on the Google App store for their own app, so maybe the integration is responsible for a lot of these hiccups. The good: lots of merchants are participating. The bad: buggy behavior. It takes a few business days to deposit cash into cheese from my bank checking account. The ugly: I need to constantly monitor my cash back earnings to make sure they post correctly. Conclusion: I want a better way to save money, and I'm willing to jump through a few hoops, but this is a bit much. Cheese can one day be really good, and I'll keep using it for the time being. But most people aren't willing to do this much work to save a little extra. Recommendation: Check out cash app's debit card. I can't make as many purchases with it, but it's more convenient to use.
78 people found this review helpful
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Extra Financial Inc
October 22, 2021
Hi Aaron, thanks for taking the time to provide feedback. We understand this can be frustrating. We strive to provide the best mobile banking app for everyone, and we’re sorry you had a negative experience. We will share your comments with our tech team to improve our service. Thank you for supporting Cheese!
Steve Poppe
September 11, 2023
It's too soon to tell. I'm strictly using credit builder feature only. I don't have the card I linked my bank account which was a process at first and I almost gave up until the customer service helped me. They didn't actually take any money out I guess it's just pretty much collateral. I've been using it for going on 3 months but so far I have not seen any progress reflected on my credit reports or scores. I contacted them and they said they have been making positive reports to all 3 bureaus
13 people found this review helpful
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Extra Financial Inc
September 13, 2023
Hey Steve, thank you for your support to Cheese! If there is any problem, feel free to contact us at for assistance.
Brailea Young
June 18, 2022
Cheese has great potential but the customer service is extremely unprofessional. I have had issues with my account for months and all I have been able to do it sit around and wait for an email because they do not offer phone support. I am able to FINALLY log into my account for maybe 2 seconds before it kicks me back out again.. I have the updated version of the app so there shouldn't be any issues with being able to log into my account. I will be leaving CHEESE soon.
30 people found this review helpful
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Extra Financial Inc
June 24, 2022
We’re sorry to hear that you’re having issues with Cheese. Unfortunately we don't have a direct phone line at this time. The best way to communicate so far is through emails. We'll reply your emails within 24 business hours or sooner. Please kindly contact us at and we’ll be more than happy to discuss this with you further.

What's new

Our credit score tracking feature is now live! In addition to monitoring your FICO score for free, you can also gain deeper insights into your credit report. Furthermore, our credit coaching function is designed to assist you in charting a path toward your score goals.

Simply tap the second tab in the app, and you can enroll for free anytime with your phone number!