Before Pimp My Credit: You’re stuck in a vicious cycle of denials and high cost credit only to see your credit score remain flat.
After Pimp My Credit: Low monthly payments build your credit and grow your savings at the same time, unlocking new opportunities.
Build credit without a credit card.
Apply in minutes. We instantly give you a bank loan and place the funds in a FDIC insured savings account in your name. Funds are locked to secure the loan.
Make small monthly loan payments. As a bank, we report your payments to the three major credit bureaus, building your credit history each month.
Track your progress. We provide a monthly FICO® Score 8 for free, so you can track your progress. 90% of top lenders use FICO Scores when making decisions.
Unlock savings. When your loan is repaid in full, the lock is removed from your savings account. You’ve built both credit and savings.
Pedro – April 2020
“Pimp My Credit is phenomenal! Having this tradeline gave me the extra boost I needed.”
Joseph
March 2020
Jesse
March 2020
“You guys helped me buy a house. I had a 394 when I started. 18 months later I have a 725!”
Christian
April 2020
of Austin Capital Bank
Build strong credit
No Credit Score Required
No Upfront Security Deposit
No Credit Check – Easy Approval
Before Pimp My Credit: You’re stuck in a vicious cycle of denials and high cost credit only to see your credit score remain flat.
After Pimp My Credit: Low monthly payments build your credit and grow your savings at the same time, unlocking new opportunities.
Build credit without a credit card.
Apply in minutes. We instantly give you a bank loan and place the funds in a FDIC insured savings account in your name. Funds are locked to secure the loan.
Make small monthly loan payments. As a bank, we report your payments to the three major credit bureaus, building your credit history each month.
Track your progress. We provide a monthly FICO® Score 8 for free, so you can track your progress. 90% of top lenders use FICO Scores when making decisions.
Unlock savings. When your loan is repaid in full, the lock is removed from your savings account. You’ve built both credit and savings.
Pedro – April 2020
“Pimp My Credit is phenomenal! Having this tradeline gave me the extra boost I needed.”
Joseph
March 2020
Jesse
March 2020
“You guys helped me buy a house. I had a 394 when I started. 18 months later I have a 725!”
Christian
April 2020
Build strong credit