最快 15 天开始向三大信用局报送¹，低利息²、无隐藏费用³，安心提升信用。
FDIC 保障 • 可随时取消账户⁴
1. 选择一个适合你的方案
2. 按月还款 (这其实就是你的存款)
3. 我们向所有信用局报送记录
4. 你的信用每个月都会累积提升,到期后拿回你的存款
95% 的用户在短短 2 个月内，信用分数提升超过 20 分⁵。如果你的起始分数低于 580，提升空间可能更大。
Cheers Credit Builder is a financial tool designed to help you build credit while growing your savings — with no hidden fees, no hard credit checks, and no surprises.
It works by reporting your monthly payment activity¹ to all three major credit bureaus. Your payments are securely held in a Certificate of Deposit (CD) and returned to you at the end of the term, minus interest.
Join a community of like-minded individuals on a journey to better credit and financial health.
Stay on track with stress-free autopay, ensuring your credit-building journey is smooth and hassle-free.
Maximize your credit-building potential with reports to Experian, Equifax, and TransUnion.
Life happens. Pause or cancel anytime, and take your savings with you, no questions asked.
We report to all 3 bureaus within 15 days of account opening.¹
95% of users with fair credit see a 20+ point increase in just 2 months.³ Starting below 580? You could see even more.
You get your full savings back minus a low 12.15% APR interest. No hidden fees. No wasted money⁴.
No contracts, no penalties. Cancel anytime and take your savings with you⁵.
Join a community of like-minded individuals on a journey to better credit and financial health.
Stay on track with stress-free autopay, ensuring your credit-building journey is smooth and hassle-free.
Maximize your credit-building potential with reports to Experian, Equifax, and TransUnion.
Life happens. Pause or cancel anytime, and take your savings with you, no questions asked.
Select a plan—signing up is easy and takes just minutes. We report to all three bureaus (Equifax, Experian, and TransUnion) within 15 days of your account opening, thanks to accelerated reporting.¹ Enjoy even more automation by enrolling in autopay. Sit back while your score gets moving.
35% of your score comes from payment history, and 10% from credit mix. Cheers helps with both — by reporting every payment and adding a secured installment loan to your profile.⁶
首次建立信用
共 24 个月
到期返还 $532.7
总支付金额
$600
还款次数
25
返还金额
$532.70
利息
$67.30
年利率
12.15%
修复或稳定提升信用
共 24 个月
到期返还 $733.13
总支付金额
$825.02
还款次数
25
返还金额
$733.13
利息
$91.89
年利率
12.15%
为重要人生目标做准备
共 24 个月
到期返还 $1,021.69
总支付金额
$1,149.98
还款次数
25
返还金额
$1,021.69
利息
$128.29
年利率
12.15%
最大化强化信用记录
共 24 个月
到期返还 $3,197.82
总支付金额
$3,600
还款次数
25
返还金额
$3,197.82
利息
$402.18
年利率
12.15%
无隐藏费用开户费用或罚金³
仅 12.15%低年利率
你的资金受 FDIC 保障
“According to FICO®, 35% of your credit score comes from payment history and 10% from credit mix. Cheers helps build both with accelerated reporting to all three bureaus in as little as 15 days — at a low APR and no hidden fees. It’s a fast and affordable way to each your financial goals faster.”
“Excellent satisfaction. I‘m excited to be a customer for life forever.”
“Great concept and I love that I get the money back after settlement.”
“Looking forward to building my credit with Cheers and a Great Experience!! Let‘s Goooooooo”
“Easy quick savings and it builds my credit.”
无需信用查询⁶（需进行基本身份验证用于上报信用）
Cheers 英文版首页
My credit score went up by 47 points with Cheers within the first 2 months! ⁷
使用 Cheers 的前两个月，我的信用分数提升了 47 分！
You build credit and save for emergencies at the same time. It’s killing two birds with one stone.
一边建立信用，一边为紧急情况存钱，一举两得。
Reporting started fast and I saw progress in my credit within a month!
报送速度很快，一个月内就看到了信用进展！
