The best there is in credit building.
We do the work. You get the credit! No fees, lower interest rates, and banked in the USA
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The Quick, Easy Way to get the credit you need.

Member FDIC. Loans subject to approval

The process couldn't be easier, just follow these 3 easy steps...

  • Easy Application Process

    No hard credit pull on your credit profile. Accounts are FDIC insured. Submit your name, email address and temporary password to get started!

  • Pick Your Plan

    Choose to build credit over 12, 18, or 24 months with a payment that fits your budget. (Low Interest Rate // Administrative Fees - $0)

  • Watch Savings & Credit Score Grow

    Enter how much money you'd like to save over the term you choose, and CreditUp calculates your total loan amount and monthly payment.

Over 100 Million People in the United States Struggle with Low or No Credit.* You Need A Lift!

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I’ve seen first hand how bad credit can make life hard. That’s why we started CreditUp, to help you build a better life.
Michael League Founder, CreditUp by 5Star Bank

Download App Today!

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Don't Just Take Our Word For It.

Check out what some of our satisfied customers are saying about CreditUp.

Guy standing in front of a truck
Better Credit got me a better rate on my new truck loan.
A family standing together
We started our own business and I love that we can keep track of our credit on the go.
Jonathan & Keri
A couple standing together
To get the right house for our family we needed to improve our credit.
Travis & Shona

Have Questions?

Below are the top 5 questions asked.

Click here to view more frequently asked questions

As stated on CreditUp website (, you can choose to keep your funds within a 5Star Bank Basic Savings Account, or you can close your CreditUp savings account and have the funds sent to you. To convert your CreditUp savings account to a 5Star Basic Savings Account, please log into your CreditUp dashboard and select the “Convert to a 5Star Basic Savings Account” option. You will then review and sign your 5Star Basic Savings Account contracts via e-sign. There are no upfront fees on the 5Star Basic Savings account. Please visit 5Star Bank Basic Savings Account for Basic Savings Terms & Conditions and current interest rates. If you choose to close your account, make sure your ACH account information and address are correct within the CreditUp dashboard. ACH payment will take approximately 3 to 5 business days to receive funds. Cashier checks will take approximately up to 10 business days to receive funds by USPS mail.

No. CreditUp by 5Star Bank will not perform a hard inquiry on your credit report. A soft credit inquiry is performed to verify your identity and ensure correct credit reporting. The soft inquiry will not affect your credit score.

The CreditUp by 5Star credit builder is a savings and credit-building program. This credit builder combines a secured customer installment loan and savings account, which builds both credit history and a savings account. Save money every month in your CreditUp account while at the same time building a solid credit history. CreditUp is not a conventional cash loan program where you borrow the funds upfront. With a credit-building account, you make fixed monthly payments into a savings loan account in your name and then get access to the full loan amount at the end of the loan term. Making monthly on-time payments is the key to building your credit. Once your CreditUp application is approved, 5Star Bank will create two separate accounts in your name: a loan account and a savings account. In order to finalize your CreditUp account, you will need to sign your savings account contracts via E-sign AND you will need to sign loan account contracts that will be delivered via email.

You will need a valid email address, phone number, and existing bank account (if you choose to make your monthly payment with a direct debit via ACH from your bank account).

To apply, you must be:

  • A permanent U.S. resident or U.S. citizen with a physical address in the U.S.
  • At least 18 years of age or older and have a valid Social Security Number.

Accepted Forms of ID:

  • State Issued Driver’s License.
  • State Issued Identification Card.
  • US Passport.

Once your CreditUp credit builder account setup is complete, here is what to expect and take note of:

  • Your first payment and monthly thereafter will be due 30 days past the day your CreditUp account was created. If you have opted to make your monthly payment with a direct debit via ACH from your checking or savings account, be sure the funds are available on the due date for your payments. If you have mailed a personal check, please make sure there are enough funds in your account for the check to clear. Returned or late payments can negatively affect your credit score.
  • Your Experian credit reporting will appear about 30-60 days after your first payment. The account will show as “5Star Bank” for a secured installment loan.