SeedFi - Money Help 4+

Credit Building, Loans

McBurberod Financial, Inc.

Designed for iPhone

    • 4.5 • 1.1K Ratings
    • Free

iPhone Screenshots


Credit Builder Prime allows you to build credit and save money. It’s that simple. Put aside as little as $10 a paycheck, and before long you’ll have saved $500 and built your credit. Once you reach your first $500 saved, keep going! Credit Builder Prime is absolutely free - you pay nothing to build credit. Increase your score by as much as 41 points after making on-time payments on all your credit accounts after 6 months*!

The Borrow & Grow Plan gives you access to up to $4,000 up front, while also helping you save money.

Credit Builder Prime

Looking for ways to build credit for FREE?

SeedFi offers premium credit building you can trust - with no upfront fees or interest. Credit Builder Prime gives you a chance to build credit that may lead to better rates in the future and sets you on the path to unlocking $500 in savings again and again. And it’s all FREE, there is no catch.

Here are key features of the SeedFi Credit Builder Prime:

- Build credit for FREE
- You don’t need a credit history to be approved
- No credit check
- Your payments towards savings can be as little as $10 per paycheck
- We report to all 3 credit bureaus: Equifax, Experian, and TransUnion
- Unlock your savings each time you reach $500
- We charge no fees or interest

The Borrow & Grow Plan

Ways to get a loan with SeedFi

Ready to borrow the money you need now and automatically build up savings for later? With SeedFi’s Borrow & Grow Plan, you can access up to $4,000 upfront with a built-in savings account, so you’re set up for a better future when you pay it off.

- Access up to $4,000 upfront and start building savings for later
- Unlock your savings when you’re finished paying off your loan
- Low APRs
- Get rid of payday loans and high-rate installment loans
- We report to all 3 credit bureaus: Equifax, Experian, and TransUnion

See Sample Plan below and more information at:

Why people choose SeedFi

Over 3,200 excellent reviews (4.7 out of 5 stars) on Trustpilot from real customers


“Helped me when no one else could!!! Rapid approval” - Vanessa, Trustpilot

“SeedFi was easy as pie. The whole process took less than 30 minutes from answering a few questions to approval and money in my account.” - Johanna


If you have any questions, please email us at


When you get SeedFi, you agree to our Terms of Service.

You may review SeedFi’s terms of service at:


You may review SeedFi’s privacy policy at:

Personal loans, lines of credit, and savings accounts provided by Cross River Bank, Member FDIC.

* Based on a simulation conducted with TransUnion® data, customers who opened a SeedFi Credit Builder Plan from March 2021 through August 2021 would have shown an average increase of 41 points on their VantageScore 3.0 credit score if they had added a Credit Builder Prime to their credit profile and made on-time payments on all of their credit accounts for 6 months. Individual results may vary, and late payments can have a negative effect on your credit score.
Banking services and personal loans are provided by SeedFi's Banking Partner, Cross River Bank, Member FDIC.

Borrow & Grow Plan loans for first-time borrowers range from $1,750 to $8,000 with $300 to $4,000 accessible immediately and the rest of the loan locked in a savings account until you repay in full. Repayment periods range from 10 months to 48 months, and APRs range from 12.96% to 29.99%. Advertised rates and terms will be subject to change without notice. Terms apply.

Sample Borrow & Grow Plan with $3,500 accessible now and $3,500: Amount Financed: $7,000, APR: 25.99%, Finance Charge: $3,311, Total of Payments: $10,311, Payment Schedule: 82 biweekly payments of $125 and one final payment of $61. The payment schedule spans 39 months.

What’s New

Version 1.1.5

Improved app experience and more.

Ratings and Reviews

4.5 out of 5
1.1K Ratings

1.1K Ratings

Godlovesme5199 ,

Best app ever

So I used plenty of apps in the financial section of the App Store and this is the best by far financial app there is. Just when I thought because of my low credit score I couldn’t get a loan, but then I came across this app and they showed me otherwise. I was at my last draw and I needed help to pay my bills and they approved me when no else would. I am so grateful that Jesus led me to this app to help me in my time of need. On top of that they was able to approve me for the borrow and grow program AND open a savings account for me. I know this program will work for me plus help me save money in the long run. I believe everyone should give it a chance. Thanks SEEDFI

Developer Response ,

Thank you so much for the review! We are glad that you are happy with our product and services. If you want to leave us any more feedback, get in touch at

J. Philip ,

Beware. The small print is a killer.

I applied successfully for the $4000 program. Did I get a $4000 loan? No. I did not. But I did pay them back $4000 plus interest and I’m still waiting a week for the “savings” to be released. My money. Locked in their account Here’s what happens. You get approved for the $4000 program, and you get an advance wire to you of $1500. $2500 goes into their subsidiary bank and it’s only released after the $4000 is paid at nearly 30% APR. Seeking to avoid onerous interest I paid it off early, sending a ~$3400 balance to them a week ago. Days go by. The payment posts. The funds remain locked. I call and am told it typically takes 2-3 business days. Fine. I wait until it’s a full week. Still locked. I call again. I’m told the small print states 1-9 business days. So let’s sum up: Your loan will be 40% of the actual number. They place the rest in a locked account and you have to be 60% plus interest in the hole before the money is released. You. Will. Wait. Their customer service will admit their small print contradicts their verbal representations. I can’t think of a more clever way to exploit credit challenged people thirsty for help.

Edit: 9 days on, the funds are unlocked. When I make a withdrawal to transfer to my account, I get the following message: “ please allow 2-3 business days.” You can’t make this up.

Developer Response ,

Hi Philip - Thank you for the feedback. Please feel free to send us an email at if you'd like to discuss your loan terms. Thanks!

jlenmood ,

Borrow and Grow plan

If you do the borrow and grow plan you will have access up to a mini portion upfront then from there you can’t have the rest of the money until you pay off the WHOLE entire loan. I just find that pretty ridiculous because if you find yourself In an emergency and can’t even access the savings until you pay off the whole loan then what’s the point? the point of the loan is to be able to use it whenever you need it and to pay it back every month, but no I’m paying off a loan that I can’t even get full access to. Even after I paid the mini portion of it off, now I’m just paying a loan that I don’t even get to use the MONEY. Welp I guess I dug my own grave, I don’t recommend if you find yourself in situation where at one point you would need access to the savings or access to the whole loan In general lol.

Developer Response ,

Hi there, can you private message us at Were sorry to hear this is not what you expected. We are happy to review the loan and find a way to close out the loan for you. Thank you!

App Privacy

The developer, McBurberod 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:

  • Location
  • Usage Data
  • Diagnostics

Data Linked to You

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

  • Financial Info
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Data Not Linked to You

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

  • Location
  • Diagnostics

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

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