We do the work. You get the credit!
No fees, lower interest rates, and banked in the USA
No hard credit pull on your credit profile. Accounts are FDIC insured. Submit your name, email address and temporary password to get started!
Choose to build credit over 12, 18, or 24 months with a payment that fits your budget. (Low Interest Rate // Administrative Fees - $0)
Enter how much money you'd like to save over the term you choose, and CreditUp calculates your total loan amount and monthly payment.
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.
Check out what some of our satisfied customers are saying about CreditUp.
Better Credit got me a better rate on my new truck loan.
We started our own business and I love that we can keep track of our credit on the go.
To get the right house for our family we needed to improve our credit.
Below are the top 5 questions asked.
Click here to view more frequently asked questionsNo. 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 building account combines a secured customer installment loan and savings account, which builds both credit history and a savings account. 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).
Once your CreditUp credit builder account setup is complete, here is what to expect and take note of: