Mortgage
How to Get a Mortgage: A Step-by-Step Guide to Homeownership
Learn how to get a mortgage—from improving your credit score to applying for a loan. Use Cheers Credit Builder to boost your credit and prepare for homeownership.
Emmy Xu
5 minutes
Credit-Cards
How to Build Credit with a Credit Card
Learn exactly how to build your credit with a credit card. Understand how credit scores work, what habits matter, and how to grow your score step by step.
Emmy Xu
5 minutes
Mortgage
What Is Mortgage Insurance and How Credit Cards Can Help
Discover what mortgage insurance is and how a strong credit card history can improve your home loan approval and lower insurance costs. Simple steps to use credit cards for a better mortgage outcome.
Emmy Xu
5 minutes
Build-Credit
How to Build Business Credit Fast: Practical Tips for Entrepreneurs
Discover practical steps to build business credit fast. Learn how to establish a legal entity, use business credit cards, and maintain strong credit to access better financing options.
Emmy Xu
5 minutes
Credit-Cards
Best Credit Cards to Build Credit
Starting your credit journey? Learn how to choose the best credit card to build credit and see how Cheers Credit Builder can work alongside your card to boost your score.
Emmy Xu
5 minutes
Build-Credit
How to Build Your Credit: A Simple Guide to Getting Started
A beginner-friendly guide to building credit from zero. Learn how to use credit-builder loans, secured cards, and smart habits to grow your score with Cheers Credit Builder.
Emmy Xu
5 minutes

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© 2025 Cheers Financial Inc. All rights reserved. See Privacy Policy
Cheers is a financial technology company and not a bank. Banking services are provided by Sunrise Banks N.A. Your funds are FDIC insured up to $250,000 through Sunrise Banks, N.A., Member FDIC. Results are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month may result in delinquent payment reporting to credit bureaus, which may negatively impact your credit score. This product will not remove negative credit history from your credit report. All loans are subject to approval.
¹ Accelerated Reporting:

Accelerated reporting applies to the opening of your account, plus the first payment. Credit bureau reporting occurs monthly thereafter. All payment activity is reported to the credit bureaus. On-time payments may help build your credit, while late or missed payments may negatively impact it.
² APR Comparison & Affordability:

Cheers Interest is calculated using an amortized repayment schedule at a fixed 12.15% Annual Percentage Rate (APR). Comparable products may charge APRs up to 36%, according to publicly available terms. Cheers also charges no administrative or hidden fees.
³ Credit Score Impact:

Based on internal user survey data (2024), 95% of users with fair credit (580–669) saw a credit score increase of 20+ points after two months of on-time payments. Individual results may vary. Late or missed payments can negatively affect your credit.
⁴ No Hidden Fees:

There are no application fees, maintenance fees, or early cancellation penalties.
⁵ Cancel Anytime & Get Savings Back:

At the end of your term, your total savings (minus interest) is returned to you. You can cancel your account at any time without penalty.
⁶ FICO® Credit Factors:

According to FICO®, 35% of your credit score is based on payment history, and 10% is based on credit mix. Cheers reports every payment and adds a secured installment loan to your profile. Source: myFICO
⁷ Eligibility Criteria:

Must be at least 18 years old, have a valid U.S. bank account, and a Social Security Number. All accounts are subject to identity verification and consumer report review by the issuing bank, Sunrise Banks N.A., Member FDIC.