Cheese: Save & Build Credit

1.1K reviews
Content rating
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About this app

Building credit can be complex. With Cheese, we make it easy for you.

Cheese Credit Builder is a secured installment loan that can build your payment history on Day 1. Apply for a credit builder loan account for as little as $500. Choose the payment term you’re most comfortable with. No credit check or admin fees required. Whether you have bad credit or no credit, Cheese welcomes you all.

Your transactions will be reported as monthly payments to all three credit bureaus: Experian, Equifax, and Transunion. Each on-time monthly payment builds credit and at the end of the loan term, you’ll get your money back.

We will report your first payment history to all three credit bureaus the earliest and speed up your credit building process as much as possible.

We help you stay on track of your payments to help you achieve positive credit reporting.

Managing multiple accounts and secured credit cards can be complex. Cheese simplifies all this into one account.

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

We know making payments isn’t always easy. Cancel at any time without penalty.

Cheese is the most convenient and delightful credit-building solution. Start building your credit today! For more information, please contact our email:
Updated on
Jan 17, 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
Location, Personal info and 4 others
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit
Data can’t be deleted
1.1K 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.
39 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!
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.
10 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.
Stephanie Larson
July 23, 2022
I used to really enjoy this app. Just like 85% of all apps like this lie about there products. Their credit builder with no credit check, ya we'll that's a lie. I've been waiting for over 6 months and nothing yet. They say it's a guarantee with no credit check LIES. NOW IM TRYIMG TO GET A transaction reversed and the money put back. I have proof that that booking was 100% refundable. I have to wait 90 days. They should have put the $ right back with the proof I have from the hotel.
8 people found this review helpful
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Extra Financial Inc
July 29, 2022
Hi Stephanie, sorry you’re having trouble. It looks like we’ve recently contacted you about this situation. Check your email for an update from our support email and we can go from there.

What's new

- The Cheese Credit Builder Loan is live now. Join us and build credit today!