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Boost My Credit – Build Better Credit with Confidence

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Lower Your Payments

Build Your Credit

Qualify for Lower Interest Loans

Stop paying 200-400% in interest when you borrow. Lower credit scores often lead to much higher borrowing costs.

SAVINGS CALCULATOR
  • Cut high-interest payments.
  • Build credit with on-time payments.
  • Unlock lower APR loan offers.

SCORE

0

GOOD

Raise your credit score by about 60 points1

Positive payment history matters

How a Credit Builder Loan Works

This is not a traditional cash loan — you won’t receive any money upfront.
Instead, you make small monthly payments, and we report them to all 3 credit bureaus.
Payment history is the #1 factor in your credit score.
1. Make Small Monthly Payments
2. We Report to All 3 bureaus

3. Watch your Score Improve

Why So Many People Get Stuck in High-Interest Loans


1
Over 100 million
Americans have
less-than-prime
credit


2
Nearly 33%
have subprime
scores


3
High-interest
loans can reach
200–400% APR,
or more


4
Many borrowers
Pay $300+
per month
on small loans


5
Few lenders
actually report
your on-time
payments to the
credit bureaus


5
Few lenders
actually report
your on-time
payments to the
credit bureaus

Stop Getting Trapped in
High-Interest Loans

HOW YOUR CREDIT GETS RE-BUILT
Month 1 → Month 3 → Month 6 → Graduate
Step 1— Foundation

Apply For a Credit
Builder Loan

  • Apply in minutes
  • No hard credit check required
  • 8% Rate Embark savings account is included.
Step 2— Boost Status

Earn A Deposit Match
For Your Secured Card

  • Up to $100 deposit match
  • Maintain on-time payments with us
  • Unlock additional card benefits
Step 3 — Access to Better Credit

Graduate To An Unsecured Credit Card

  • Eligible for an Emark unsecured credit card
  • Potential for higher credit limits
  • No security deposit required (on approved accounts)

See How Much You’re Overpaying​

(Based on a Typical High Interest-Rate Loan)

You could be paying 200–400% more than you need to.

×

See How Much You Could Save

Compare better credit interest rates on a
$1,000 loan with an 18 month term

LOWER INTEREST RATE

Monthly Payment $61
Total Interest Paid $98

HIGHER INTEREST RATE

Monthly Payment $111
Total Interest Paid $998
$

YOU COULD SAVE

$900

That’s

90%

less in interest payments

Rates are examples only. Actual rates may vary based on your credit profile.

Close Calculator

Check Anytime

Track Your Progress.

Monitor What’s Impacting Your Credit.
Check your progress anytime, see what’s changing, and access your credit report and insights — all in one place.

Excellent

Updated Today
Alerts

Alerts

  • New Account Opened
  • Missed Payment Alert
  • Balance Change Notification
Credit Report

Credit Report

  • Account Overview
  • Inquiries
  • Public Records
Savings Suggestions

Savings Suggestions

  • Lower Your Card Interest
  • Pay Down Balances
  • Improve Your Score

1 According to a study by the CFPB​

Frequently Asked Questions

What is Boost my Credit Financial (Boost)?

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How does Boost help me to improve my credit?

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What is a Credit Builder loan, and how does it work?

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Who is eligible for a Boost my Credit Credit Builder loan?

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VIEW ALL FAQ’s

Start Building Your Credit
With Embark

Takes less than 2 minutes
No impact to check​

Takes less than 2 minutes • No impact to check.