Build: Credit Building

PRG Ventures

About this app

Build believes everyone should have the opportunity to improve their financial health. We’ve worked hard to provide access to credit-building products like the Build Credit Builder Account. Your payments will help you build accumulated savings¹ and your payment history will be reported to the three main credit bureaus.

Download the Build app today to apply, manage your account, and monitor your savings progress.

There is no hard credit pull and no credit needed. Build your credit history with all three major credit bureaus for as little as $25/mo². Get started today!

Please visit www.getbuild.com for more information.

Disclosures:

All customer accumulated principal payments are deposited into a locked savings account controlled by Build and are not FDIC insured. Access to loan products is subject to approval by PRGB, Inc., who determines qualifications for any terms of credit. Individual borrowers must be U.S. Citizens or permanent residents and at least 18 years old. Not available in all states. Valid bank account and Social Security Number are required. All loans are subject to ID verification. Results are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. This product will not remove negative credit history from your credit report.

PRGB, Inc. dba "Build", NMLS No. 2410706

¹The locked savings account does not earn interest. The funds in your locked savings account will not be accessible until your loan is paid in full or closed. You build savings by having funds available to you at the end of the loan in your locked savings account. Note that interest and a one-time, prepaid administration fee apply to the loan product. Customers who complete the full terms of the Credit Builder Loan can receive approximately 85% of the loan funds once the loan is repaid in full.

²For example: (1) Starter Loan: Your loan amount is $520. You make $25 monthly loan payments for 24 months and there is a $9 administration fee. 15.92% Annual Percentage Rate.  By the end of your loan term, you will have paid $609 ($89 cost).

Ratings and reviews

Horrible business. Stay away! Never gave me notifications on my return process not going through( a problem on their end)And would never have gotten it sent if I didn't call them about it after waiting 26 days for the check. Since they won't ship it as priority I now have to wait 20 more business days. Also barely did a thing for my credit. Stick with credit karma's version.

Took a credit builder loan, paid it off. Two months later no security deposit was returned and cant access my account. Also received two emails from build demanding more money and threatening to impact my credit report if i dont pay. Avoid.

Cost to get started, not worth it in the end. Pay to hand a little bit better of a cedi score, for " card you can't use

What’s new

Bug fixes and improvements