Top Credit Builder Loans for 2025
(Build Credit and Save at the Same Time)
Whether you’re starting from scratch or rebuilding your credit, a credit builder loan is a powerful tool. These loans don’t just help your score — they help you build real savings along the way. Below is our curated list of the best credit builder loan programs available in 2025.
| Provider | Loan Range | Reports to Bureaus | Key Features | Link |
|---|---|---|---|---|
| Self | $25–$150/mo | All 3 | App-based, no hard pull | Apply Now |
| Chime | Card-based | All 3 | Combine with savings, no fees | Apply Now |
| Credit Strong | $15–$110/mo | All 3 | Flexible terms, high max savings | Apply Now |
| SeedFi | $10–$40/mo | All 3 | Now part of Intuit, simple structure | Apply Now |
| MoneyLion | $500+ | All 3 | Offers personal loans + banking | Apply Now |
| Kikoff | $10/mo | All 3 | No deposit required | Apply Now |
| Possible Finance | $500 | All 3 | Cash advance with credit reporting | Apply Now |
| Fig Loans | $300–$1,000 | All 3 | Income-based underwriting | Apply Now |
| StellarFi | Bills-based | All 3 | Reports recurring bills | Apply Now |
| DCU | $500+ | All 3 | Nationwide access via membership | Apply Now |
Need Help Choosing?
Need help choosing the best credit builder option for your goals? Book a personalized review and let’s map out your path to a better credit score.