建立信用，积累储蓄 —— Cheers，与你同行！

更快提升信用¹，费用更低，更透明，无隐藏条款²。

找到最适合你的信用建立方案

什么是 Cheers Credit Builder？

Cheers Credit Builder 是一种 安全、简单的分期储蓄贷款（secured installment loan + savings program），专为帮助你提升信用评分而设计。

How it works

在整个计划期间，你每月按固定金额付款。这些钱会被安全地存放在合作银行的 锁定储蓄账户（locked savings account） 中。每次按时付款都会被上报给三大信用局（Experian、Equifax、TransUnion), 帮助你建立稳定的 还款记录（Payment History） —— 这是影响 FICO® 信用评分最重要的因素。计划结束后，你可以取回你的储蓄本金（扣除固定利息 APR 12.15%), 相当于在“存钱”的同时提升信用，一举两得。

Community Support

Join a community of like-minded individuals on a journey to better credit and financial health.

Automated Payments

Stay on track with stress-free autopay, ensuring your credit-building journey is smooth and hassle-free.

Comprehensive Reporting

Maximize your credit-building potential with reports to Experian, Equifax, and TransUnion.

Cancel Anytime

Life happens. Pause or cancel anytime, and take your savings with you, no questions asked.

为什么选择 Cheers

Accelerated Reporting 更快上报信用记录

开户后 15 天内我们会将记录上报给三大信用机构(bureaus)。¹

Proven Score Impact 看得见的信用提升

95% 的信用评分在“fair”区间 (≈580–669) 的用户，在两个月内分数📈上升 20+ 分。³

Build Credit & Keep More 你的钱仍然是你的

您的储蓄会存在受合作银行保护的储蓄账户里，利率仅为固定 12.15% 年利率 (APR)，没有隐藏费用／额外开销。⁴

Cancel Anytime, No Risk 无风险随时可以退出

你可以在任何时候取消计划。无提前还款罚金（no prepayment penalty），也不会影响已上报的信用记录。⁵

Community Support

Join a community of like-minded individuals on a journey to better credit and financial health.

Automated Payments

Stay on track with stress-free autopay, ensuring your credit-building journey is smooth and hassle-free.

Comprehensive Reporting

Maximize your credit-building potential with reports to Experian, Equifax, and TransUnion.

Cancel Anytime

Life happens. Pause or cancel anytime, and take your savings with you, no questions asked.

找到最适合你的信用建立方案

几分钟完成注册，几天内开始建立信用。

选择一个适合你的方案（plan）——注册非常简单，只需要几分钟。我们会在你开户后的 15 天内，将你的账户记录上报给三大信用局 (Equifax、Experian、TransUnion)，让你更快开启信用提升之路。¹开启自动扣款（autopay）还能进一步提升便利性。设置完成后，只需轻松等待你的信用记录开始改善。

为什么有效

你的信用评分中有 35% 取决于付款记录（payment history），另有 10% 来自信用组合（credit mix）。Cheers 同时改善这两项指标——通过 按时上报每次付款，并在你的档案中新增一个 secured installment loan。⁶

拿回你的储蓄，实现你的目标 —— Cheers！

在计划期末（end of term），你将取回全部储蓄本金，只扣除固定年利率 12.15% APR。这是一个简单、安全、有回报的信用建立方式。没有隐藏费用，没有陷阱。只有真实、可见的进步。

为什么有效

在你建立信用的同时，所有付款都会安全地存放在我们合作银行的 锁定储蓄账户（locked savings account） 中。它既安全，又是自动化的过程，让你更安心。

适合不同预算 & 目标的选择

真实用户 · 真实影响力

It’s a fast and affordable way to each your financial goals faster. 这是一种更快、更实惠的方式，帮助你更早实现你的财务目标。

“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.”
根据 FICO® 模型，你的信用评分中 35% 来自付款记录（payment history), 10% 来自信用组合（credit mix）。Cheers 通过加速上报（accelerated reporting），最短可在 15 天内 将记录同步至三大信用局，并以低 APR、无隐藏费用的方式帮助你提升信用。这是一种更快、更经济，也更透明的方式，让你更早达成你的财务目标。

Mike Dean
Former President of Experian - 前 Experian (信用局) 总裁

“Excellent satisfaction. I‘m excited to be a customer for life forever.”

Calvin*
Real Cheers Customer

“Great concept and I love that I get the money back after settlement.”

Michael*
Real Cheers Customer

“Looking forward to building my credit with Cheers and a Great Experience!! Let‘s Goooooooo”

Sean*
Real Cheers Customer

“Easy quick savings and it builds my credit.”

David*
Real Cheers Customer

今天就和 Cheers 一起开始建立信用吧。

加速上报信用记录¹

低 APR、无额外费用

无需信用查询（No Credit Check）— 仅需基础身份信息⁷

找到最适合你的信用建立方案去 Cheers 英文版首页看看

有问题吗？我们来解答。

Cheers 是如何帮助提升信用的？
Cheers 会将你的每月还款记录上报给三大信用局 ——
Equifax、Experian 和 TransUnion。这能帮助你：建立更多 付款历史（payment history） —— 占你 FICO® 信用评分的 35%⁶ 通过增加一个 secured installment loan 改善 信用组合（credit mix） —— 占 10%⁶根据内部数据，许多拥有 fair credit（中等信用） 的用户在连续按时付款两个月后，信用评分提升了 20 分以上³。（每位用户的结果可能不同。）
为什么 Cheers 能又快又实惠地建立信用？
Cheers 采用 加速上报（accelerated reporting）¹，因此你的账户与首次付款会在开户 15 天内 同步到三大信用局。我们的年利率为 固定 12.15% APR，远低于许多同类产品（部分产品利率高达 36%⁵)。此外：无申请费用（no application fees）无维护费用（no maintenance charges）无提前取消罚金（no early cancellation penalties）⁵
我的钱安全吗？
你的储蓄以你的名字存放在 Sunrise Banks, N.A.(FDIC 成员) 名下，并享受 最高 $250,000 的 FDIC 保险保障。Cheers 是一家金融科技公司（fintech), 不是银行，我们与可信赖的金融机构合作，确保你的资金安全。
申请时会查信用吗？
不会进行 硬信用查询（no hard credit check）。所有账户只需完成 身份验证，不会影响你的信用分数。
计划结束后我能拿回我的钱吗？
可以的。计划结束时，你会取回你的全部储蓄本金 ——
扣除固定利息。如果你想提前取消，也可以随时取回你迄今为止已存入的金额，（同样扣除适用的利息)⁵
我可以随时取消吗？
当然可以。没有合约限制、没有罚金，也没有取消费用⁵。你可以在任何时间取消，并取回你的储蓄（扣除利息) 你的每一步，都由你掌控。

Cheers to your better credit!

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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.