Build credit with every payment you make
The Credit Builder installment loan — provided by our partner Kovo — reports your payment performance to TransUnion®, Equifax®, Experian®, and Innovis®. Make timely monthly payments to unlock a better future.
$10 a month for 24 months — a fixed $240 total
Credit Builder is offered by our partner Kovo. You'll need to be a Credit Up member — the Free plan counts — before you apply.
What on-time payments unlock
Here's what a credit builder installment loan from our partner Kovo is designed to do for your file.
Reported to all four bureaus
Your payment performance is reported to TransUnion®, Equifax®, Experian®, and Innovis® — all four major credit bureaus, every month.
Own a car and a home
Better credit makes owning a car and home possible, with higher odds for approval when you apply for the financing that matters.
Pay less every month
Lower your monthly payments with better rates when you have a higher credit score — on loans, cards, and financing of every kind.
Boost your creditworthiness
Apply for Kovo Credit Builder to boost your creditworthiness, and let a history of on-time payments speak for you.
How Credit Builder works
Four steps between where you are and the credit file you deserve.
Become a member
Create your Credit Up account — the Free plan is all you need. Members get access to our partner programs, including Kovo Credit Builder.
Apply with Kovo
Apply for the Kovo Credit Builder installment loan on Kovo's site through your member link. Kovo handles the application, terms, and approval.
Pay on time, build history
Make your fixed $10 monthly payment on time. Kovo reports your payment performance to TransUnion®, Equifax®, Experian®, and Innovis® — every single month.
Unlock a better future
Watch your creditworthiness grow from your Credit Up dashboard — and unlock better odds on the car, home, and rates you're working toward.
Credit Builder questions
The details, in plain English.
It's an installment loan provided by our partner Kovo, designed to build credit. You make fixed monthly payments of $10 for 24 months, and Kovo reports your payment performance to TransUnion®, Equifax®, Experian®, and Innovis® every month. On-time payments build positive payment history — the single biggest factor in your credit scores.
Powered by Kovo
A partner product, working alongside your Credit Up plan
Credit Builder is a loan product provided by Kovo. Credit Up is not a lender and does not originate, service, or guarantee any loan. Loan terms, approvals, and billing are handled entirely by Kovo on Kovo's site.