Build credit on your own terms

Meet NerdBuild, the credit-building loan that puts you in control. We offer budget-friendly payments – and there’s no minimum credit score required.

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Build your credit in three simple steps

Step 1Complete your applicationNo credit? No problem. Once your application is approved, your monthly payments will be deposited into a locked deposit account.
Step 2Choose a monthly paymentSelect a monthly payment and a term. NerdBuild will automatically report payments to all three credit bureaus, helping your score along the way.
Step 3Collect your fundsWith on-time payments, your score will improve and your money is transferred back to you at the end of your term, minus interest and fees.
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Why it pays to improve your credit with NerdBuild

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Lower rates

A better credit score may unlock better rates for future loans, credit cards, and more.

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Easier approval

That new credit card? A future loan? A solid credit score gives you a better chance at approval.

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Better financial options

A good credit score may give you access to better credit cards and more financial opportunities.

Start Building

Ready to get approved and start building your credit score?

With automatic monthly payments it’s easy to build your credit score, even if you have no to low credit.

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    Frequently asked questions

  • How does NerdBuild help me build credit?
    Your loan payments are reported every month to all three credit bureaus: Equifax, Experian, and TransUnion. If you don’t already have a credit history, these reports help you establish one by showing a history of making payments on time. If you already have a credit history, these reports add the new installment loan to it. Making all your payments on time will generally result in a more favorable credit score.
  • It may take up to three months before the loan shows up on your credit report. You’ll be able to see how your payment history is being reported to credit bureaus from your loan dashboard.
  • No, there are no income or credit score requirements to qualify for NerdBuild. However, before committing to the loan, you should make sure you’ll be able to make your payments for the full term of the loan.
  • Your personal and financial information is protected with bank-level encryption. All online interactions require a secure login, and any phone support interactions require verification. Your deposit account is also FDIC-insured.
  • Your money goes into a locked deposit account and can’t be withdrawn. You can access the money you’re saving when you pay off the loan or when the loan is ended prematurely.
  • Once you start your loan, you’ll make payments from your loan dashboard. You can pay manually, or you can set up auto payments directly from your bank account. Autopay is the best way to ensure all of your payments are made on time.
  • You can make a payment up to six days after the due date without incurring any late fees or additional interest charges. If you are more than six days late with your payments, you may incur late fees or extra interest charges. We may also report your payment as late. If any payments are reported late, it could hurt your credit score instead of improving it. We recommend setting up autopayment, so you never have late or missed payments.
  • Yes, you can pay off your loan at any time. However, making regular payments over time is the biggest factor in your credit score. If you pay the loan off early, you may not see as much benefit to your credit score as you would if you made payments for the full length of the loan.
  • If you’re unable to continue making payments, you can voluntarily surrender your loan. It’s important to note that a voluntary surrender can negatively impact your credit score, but it’s better than simply discontinuing payment without surrendering the loan.

Disclaimer: NerdBuild loan provides the opportunity to increase your credit score. Late payments and other factors, including activity with other creditors, can have a negative impact on your score.

BuildCredit LLC is a wholly owned subsidiary of Array US Inc, and is not a bank. BuildCredit Loans are originated by Cross River Bank, Member FDIC, a New Jersey Chartered Bank. Loans made by BuildCredit and Cross River Bank are subject to loan approval, terms, and conditions. BuildCredit Loans are deposited into a deposit account provided by Cross River Bank, Member FDIC.