your credit score. to new heights! Credit Builder plan requires you to open a no-fee line of credit and a no-fee savings account, both provided by Cross River Bank, Member FDIC. Credit Builder is serviced by Credit Karma Credit Builder.

Credit Karma is an online credit service that operates under the principle that everyone is entitled to a free and honest credit score. To that end, the site allows you to check your credit whenever you'd like without paying any fees.

Set your own credit limit between $300 and $3,000 based on the amount you deposit into your Credit Builder Savings Account. Increase your credit limit by adding funds in increments of $50 or more to the savings account. No application fee. Start building good credit today.

Credit-builder loans allow you to take on a small amount of debt and demonstrate that you're a reliable borrower. Making regular on-time payments toward a credit-builder loan may help you establish a history of positive credit behavior.

Credit Karma is not a bank. We partner with MVB Bank, Inc., Member FDIC, to provide banking services supporting Credit Karma Money™ Spend and Credit Karma Money™ Save accounts. When you open a Credit Karma Money™ Spend account, your funds will be deposited into an account at MVB Bank, Inc. and its deposit network.

Credit Karma is always free. Credit Karma won't ask you for your credit card number during the registration process or at any other time. We don't ever sell your information. We do get paid through our partners if you get a product through one of our recommendations.

A credit limit is the maximum amount you can spend on a credit card. When comparing credit cards, you may see credit limits presented as a range that spans the minimum and maximum limits available. A minimum credit limit is the lowest amount of credit available for a specific card.

A credit-builder loan allows you to make fixed payments into a savings account over several months. At the end of the term, the lender will return to you the balance of the account―possibly including some of the interest you paid―and you'll strengthen your credit with positive payment history.

The higher your credit score, the lower interest rates you'll qualify for. Low interest rates can save you hundreds or thousands of dollars on personal loans, mortgages and credit card balances.

Unlike traditional credit cards, Credit Builder helps you build credit with no annual fees and no interest. There's also no credit check to apply! Credit Builder is a secured credit card. The money you move into Credit Builder's secured account is the amount you can spend on the card.

If you need to access funds that are currently in your Credit Karma Money Save account you can instantly transfer them to your checking account on the Credit Karma website or from our mobile app subject to the limit of 6 withdrawals per month from your Credit Karma Money Save account.

free Credit Karma is always free. Credit Karma won't ask you for your credit card number during the registration process or at any other time. We don't ever sell your information. We do get paid through our partners if you get a product through one of our recommendations.