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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.
  • Cut high-interest payments.
  • Build credit with on-time payments.
  • Unlock lower APR loan offers.
HOW MUCH AM I OVERPAYING?
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Calculator Icon

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.

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.

Apply for a Credit Builder Loan 

It only takes a few minutes to apply

Make Small Monthly Payments

Payments are conveniently debited from your account

We Report To All 3 Credit Bureaus

Consistent on-time payments can help raise your credit score over time.

Watch Your Credit Score Improve

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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

The real reasons borrowers struggle.

Understanding the problem is the first step to a better future.

100 M+

Americans Have Poor Credit

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

200–500%

APR Loans Exist

High-interest loans can reach 200–500% APR or more.

$500+

Per Month

Many borrowers pay $500+ per month on small loans.

100 M+
Americans Struggle
With Credit
Over 100 million Americans
have less-than-prime
credit

200–500%
Some Borrowers
Pay 200–500% APR
High-interest loans can trap
borrowers in a cycle of debt.

$500+
Per Month On
Small Loans
Many borrowers pay $500+
every month just to keep up.

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

  • 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)

Your Journey to Better Credit

Simple steps. Real progress.
Step 1

FOUNDATION

Apply For a Credit Builder Loan

  • Apply in minutes
  • No hard credit check required
  • 8% Rate Embark savings account is included.

MAKE ON-TIME PAYMENTS

Build positive payment history

Step 2

BOOST STATUS

Grow Your Credit & Unlock Higher Limits

  • Consistent payments boost your score and increase your options.
Step 3

ACCESS BETTER CREDIT

Graduate To An Unsecured Credit Card

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

Your Journey to Better Credit

Simple steps. Real progress.
Step 1

FOUNDATION

Apply For a Credit Builder Loan

  • Apply in minutes
  • No hard credit check required
  • 8% Rate Embark savings account is included.

MAKE ON-TIME PAYMENTS

  • Build positive payment history
Step 2

BOOST STATUS

Grow Your Credit & Unlock Higher Limits

  • Consistent payments boost your score and increase your options.
Step 3

ACCESS BETTER CREDIT

Graduate to an Unsecured Credit Card

  • Eligible for an Embark 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 interest than you should be
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​

Take Control Now

Track your progress, build good habits, and create a strong financial future.

LIVE SCORE UPDATES

SMART SAVINGS

SAVINGS INSIGHTS

Apply Now

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.