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Build credit while you save & get money when you need it. Improve your financial future right from the SeedFi app. Pick the plan that’s right for you.

The Credit Builder Plan allows you to build credit and save money. It’s that simple. Put aside as little as $10 a paycheck, and when you’re done you’ll have saved $500 and built your credit. It only costs $1/month and it’s free with a single referral!

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

The Credit Builder Plan

Looking for ways to build credit? We have the answer.

Have you been looking at different credit building accounts? Look no further! SeedFi’s brand-new, easy credit- building product is the smart way to build credit and grow savings.

For only $1/month, SeedFi offers premium credit building you can trust -- with no upfront fees or interest owed. The Credit Builder Plan gives you a chance to build credit, establish on-time payment history that can lead to better rates in the future, and unlock $500 in savings at the end.

Here are key features of the SeedFi Credit Builder Plan:

You don’t need a credit history to be approved
No credit check
It only costs $1/month -- there are absolutely no other fees
It’s free after your first referral
Your payments can be as little as $10 per paycheck
We report to all 3 credit bureaus: Equifax, Experian, and TransUnion
Unlock $500 in savings when you’re paid off
We take no fees or interest charges from your savings account.
See Example Plan below

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 with a built-in savings account, so you’re set up for a better future when you pay it off.

Here are key features of SeedFi’s Borrow and Grow Plan:

Access up to $4,000 upfront and start building savings for later
Build credit with every on-time payment
Unlock your savings when you’re finished paying off your loan
APRs as low as 14.99%
Get rid of payday loans and high-rate installment loans
We report to all 3 credit bureaus: Equifax, Experian, and TransUnion
See Example Plan below

Why people choose SeedFi

Excellent reviews (4.8 out of 5 stars) on Trustpilot from real customers
The most affordable credit builder loan, with no interest charged or purchases required to build credit.
Our Borrow & Grow Plan gets you the money you need now and a savings account to help you thrive later.


“Awesome - At a time in my life when I needed a financial boost, SeedFi was there.” - Vinson

“Since working with Seed-Fi, my credit score has jumped close to 200 points! Thank you, Seed-Fi!” - Clayton

“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 help@seedfi.com.


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


You may review SeedFi’s privacy policy at: https://www.seedfi.com/privacy-policy
SeedFi Customers with fewer than three tradelines on their credit profiles experienced an average increase to their VantageScore 3.0 credit score from 579 to 624 (+45 points) after six consecutive months of on-time payments (data gathered from Dec '19 through Nov '20).
Savings account provided by Cross River Bank, Member FDIC.
Example Credit Builder Plan: SeedFi charges $1 a month to access the Credit Builder Plan. In a typical Plan, at the end of one year the consumer would have paid $512 and would have $500 of savings. If you’re trying to shop or compare this against other credit builder loans that charge an interest rate, the $1 a month is equivalent to a 4.6% APR. SeedFi will provide the Credit Builder Plan for free after you’ve referred one friend who takes out a SeedFi Plan.

What’s New

Version 1.0.11

Various bug fixes and improvements

Ratings and Reviews

4.5 out of 5
72 Ratings

72 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 help@seedfi.com


SeedFi ROCKS!!!

If you’re looking to build up your credit or just need a little help while the world around you seems to be crashing down all over the place, you want SeedFi!!!
They are professional AND kind AND helpful AND prompt!!!!! ALL the time!!!
I never take the time to write reviews but just had to for this company. They seriously are FIVE STAR across the Board!!

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 help@seedfi.com.

justcallme_tl ,

Love SeedFi but there are App issues

I love SeedFi but the app won’t let me login. It gives me a Serialization Error. I already have an account so I was trying to sign in. Other than that, I’ve had no issues with SeedFi itself and I like it so far. I haven’t had it for very long yet but I am expecting good results over the next 6 months!

Developer Response ,

We're so sorry to hear that we dropped the ball with your app experience. Can you message us at help@seedfi.com? We would love to get to the bottom of this and make sure you have access to your app. Thank you for your love and support for SeedFi

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


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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