Bright Builder

Build Credit with on-time payments1
Apply now
*illustrative example

How it works


You deposit at least $50 and get a secured loan starting at $50

Your money is held for your benefit in a Savings Account


Pay atleast the Minimum amount due on the loan every month

This is the minimum of $10 or 50% of outstanding balance


We report your payments to the credit bureaus

We report to Equifax and TransUnion


You build credit with on-time payments¹

On-time payments can help increase your credit score

You receive your security deposit funds after clearing any remaining outstanding balance if you decide to close your account.

Start building credit today!

Build credit with on-time payments1
Apply now
Details about

Bright Builder Account Fees

Interest rate
APR (Annual Percentage Rate)
Security Deposit
Starting at $50
Application fee
Origination fees
Late fees
Minimum Amount Due
Min($10, 50% of the outstanding balance)
Example minimum amount due calculation:
Credit Limit
APR (Annual Percentage Rate)
Outstanding Principal Balance
Minimum amount due
Apply now

Know more about Bright Builder

What are the minimum requirements to apply for Bright Credit?
Will checking rates affect my credit score?
Is Bright Credit a Revolving line of credit or an Installment loan?
Can I use Bright Credit to pay down credit card debts from multiple issuers?
Can I continue to use my credit cards or does Bright Credit make me close my credit cards once they are paid off?
How is a Bright Credit different from a debt settlement loan?
Is any security deposit required to get Bright Credit?
How can I get approved for Bright Credit?
What can I use Bright Credit for?
Can I payoff or close my account anytime?
Do I need to pay interest fees?
Is there a hard pull on credit report?
Do you report to Equifax and TransUnion?
Can I spend the loan funds immediately?
Is this a revolving line of Credit?
Do I need to provide a security deposit?
Can I access the funds of the security deposit?
Will Bright report both on time and missed payments to the Credit Bureaus