5 Best Credit Builder Loans Companies Of 2025
No credit or poor credit? Credit repair services don't match your needs? Credit builder loans may be the answer. Credit builder loans do not require good credit for approval, but they do require income in order to make monthly payments. Your on-time monthly payments are reported to the three major credit bureaus, helping establish a positive payment history.
Last Updated: August 19, 2025
CreditStrong offers a range of credit builder loans, including installment and revolving credit options, to help individuals build or rebuild their credit. Their plans report to all three major credit bureaus and are available nationwide, except in Wisconsin and Vermont.
- Free FICO® score provided to track your credit improvement progress
- No hard credit pull and no upfront security deposit required
- Installment loan payments reported as positive history to all 3 major credit bureaus
Self provides credit builder loans that help individuals build credit by making monthly payments. Their loans are available nationwide and report to all three major credit bureaus
- Build payment and credit history while saving money
- Over 400k prior customers serviced (available in all 50 states)
- No checking account or security deposit required
- No credit check necessary (all credit types accepted)