tools
MoneyLion Credit Builder Plus
MoneyLion membership with a credit-builder loan, credit monitoring, rewards, and credit-health tools.
Credit Builder Plus helps members build credit through a loan of up to $1,000, with repayments reported to TransUnion, Equifax, and Experian over 12 months. It also includes weekly score updates, alerts, personalized insights, educational content, and credit-building rewards.
The membership costs $19.99 monthly. Loan payments and APR charges are separate; the listed APR range is 5.99% to 29.99%. Approval is required, availability varies by state, and credit-score improvement is not guaranteed.
Features
- Apply for a Credit Builder Loan up to $1,000 with no hard credit check
- Report on-time repayments to TransUnion, Equifax, and Experian
- Track credit progress with weekly score updates
- Receive automated alerts about credit-report changes
- Get personalized credit insights, tools, and education
- Complete credit-building challenges for cash rewards
- Earn up to $19.99 cashback each month through eligible activities
Use cases
- Build payment history when you have limited or damaged credit
- Monitor weekly credit-score changes and credit-report alerts
- Use a 12-month loan to establish reported repayment history
- Learn credit-management habits through personalized content
- Earn rewards from eligible credit-building activities
Pros
Cons
Pricing
- Starting price
- $19.99
- Pricing checked
- 2026-09-19
Credit Builder Plus membership
$19.99
- Loan principal varies: $500 to $1,000
- APR varies: 5.99% to 29.99% APR
- Credit monitoring fee: $0
- Investment account administrative fee ($1/mo): $0