Cheese: Credit Builder Account 4+

Build credit & save easily

Extra Financial Inc.

    • 4.6 • 1.8K Ratings
    • Free

iPhone Screenshots


With a Cheese Credit Builder account, you can save & build credit at the same time.

Need to rebuild your credit score? Have no credit history at all? No problem! The Cheese Credit Builder app welcomes everyone in need to build their credit. Whether you are planning to buy a car, a house, get credit repair, or just start building credit, Cheese is the best credit-building solution to help you reach your goals.

How it works:
1. Apply for an account
- No credit check. No admin fees.

2. Build payment history
- Each on-time payment is reported to all 3 credit bureaus and adds to your savings.

3. Get your money back
- Get your paid-off principal back at the end of the loan term, minus the interest.

Build credit history from day 1
- We will report your first payment history to all 3 credit bureaus (Experian, Equifax, TransUnion) the earliest to speed up your credit-building process as much as possible.

Flexible repayment plans
- Total repayment amount: $500/$1000/$2000; term length: 12/24 months.
- Pick a repayment plan that fits your needs, starting at $24/month.

Auto-save feature
- No missed payments. Stay on track with automatic payments and achieve positive credit reporting. Build Credit while you are asleep!

No hidden fees
- No upfront deposit. No membership fees. We only charge a fixed and low APR.

Cancel anytime
- We know making payments isn’t always easy. Cancel anytime without penalty.

Credit score improvement is the start of achieving financial freedom. Get a Cheese Credit Builder account to grow your credit easily and worry-free! For more information, please contact our email:

* APR varies by state of residency, starting from 5%.
* Bank services are provided through our banking software provider, Synapse.

What’s New

Version 2.0.28

Our credit score tracking feature is now live! In addition to monitoring your FICO score for free, you can also gain deeper insights into your credit report. Furthermore, our credit coaching function is designed to assist you in charting a path toward your score goals.

Simply tap the second tab in the app, and you can enroll for free anytime with your phone number!

Ratings and Reviews

4.6 out of 5
1.8K Ratings

1.8K Ratings

atallchief ,

Extremely Disappointed!

I only gave a five star review right now because I want my review to be seen! There are plenty of banks out there nowadays. So these banks really had to step up their gameIn order to get people to use their bank. For instants they were doing a you sign up bonus. The entire reason why I signed up was for that bonus. And guess what I didn’t even get the bonus. I started the process before the referral program and bonus ended. they ran out of money. So anyone who did sign up for that bonus won’t get it if The money wasn’t deposited before the end date. Which we all know deposits can take multiple days even weeks. Personally it took over nine days for the money to move from one account to the Cheese account! Is that my fault no it’s the banks fault I emailed them all my information and basically all they said was sorry about your luck. I did download the app and get all signed up with the bank before this promotion ended . I did it before it ended! This $45 was too help my family so much. I was basically depending on the money I never got it so it really screwed me over. I really feel like they should honor the fact that I deposited $50 to get the $45 bonus they should really make an exception!

Developer Response ,

We’re sorry to hear that you’re having issues with Cheese. Please kindly contact us at and we’ll be more than happy to discuss this with you further. I am sorry you are dissatisfy with our promotion and totally understand your frustration.
We will improve ourselves as we grow and hope will not disappoint you again in the future.

Kitty K9 ,

Angry as H. E. Double hockey sticks!!!! You can’t trust cheese with your Cheese!!!

As another reviewer I only put five stars so my review would be seen. I had money stolen from my account, recently for the second time. Cheese has horrible security and worse customer support and to add insult to injury the thief added themselves to my contacts in my cheese account and I can’t delete them! I contacted support on several occasions and their response was we can’t dispute transfers, even though I received an email after the thief stole money from my account which stated from Cheese: If you did not authorize this transaction use the link below for support and that’s just what I did, only to be ignored and receive no support or resolution. My account was hacked I had not used the person to person transfer but once in over a year to my husband no other person to person transactions. Now Cheese offers direct deposit DON’T DO IT!!!! Cheese does not value their customers, offers no real support and worst of all DOES NOT KEEP YOUR MONEY SAFE!!!! Fool me once shame on you, fool me twice shame on me! It should be called Swiss Cheese because it full of holes!

Developer Response ,

Hi, sorry you’re having trouble. It looks like we’ve recently contacted you about this situation. Check your email for an update from our support email and we can go from there.

TomZoom ,

My credit score grows 58 points in 45 days!!!

Our family is planning to buy our first house next year. All of my friends tell me that a good credit score will save a lot of money by getting a better mortgage rate.

Due to bad spending budgeting and habits in the last two years, my credit score was down to 692! Improving my score became my new year resolution of 2023. As a Cheese debit card user, I trust this company for its customer support and product. So, I registered my Credit Builder account as soon as I got the email invitation. The registration process took only 3 minutes and I got the credit builder loan.

Today, I found my credit score increased by 58 points both on Equifax and TransUnion. It only took 45 days and my credit score is 750 now!!! And, I don’t even need to do anything after connecting my bank and it automatically put my monthly payment as my saving. I am sharing this with my best friends and 5 of them are Cheese happy users now!

Developer Response ,

Hey! Thanks for the positivity! 🙌🏿 🙌🏽 🙌🏻 So glad to hear you’re enjoying Cheese.

App Privacy

The developer, Extra Financial Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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