Build Your Credit as your grow your savings

Choose the plan that works for you, make payment and track your progress, unlock your savings.

Step one new

Build credit while you save money

Open an Account in Minutes

When you open an account, the bank instantly gives you a loan and places the loan funds in a FDIC insured savings account in your name. The savings account funds are locked to secure the loan.


Build credit without a credit card

Track your Progress

We provide a free FICO score monthly so you can track your progress. 90% of top lenders uses FICO scores when making lending decision

Step two
Step three new

Find your perfect plan

Make on time payments

Make small monthly payments of principal and interest on your loan. The principal is a payment to yourself and is credited towards the lock on your savings - the interest is what we earn for providing the service


Start Building

Unlock your savings

When your loan is repaid in full, the lock is removed from your savings account. You've built both credit and savings

Step four new

Track your latest spending, FREE

Payfriendz app
  • Month of June Spending

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Connect your accounts
Securely connect your bank accounts and credit cards to get a single view of where you currently stand.
Set yourself a spending goal
Understand what you can afford to spend each week and set a target for improvement.
Get a personalized quote for all your financial products
Discover whether you can reduce your debt costs without affecting your credit score.

Get the free app on your phone

Download the free moneybrag app and you’ll always have your credit report and
Exclusive Offers at your fingertips Literally.

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Stay in the know

We'll keep you in the loop with moneybrag announcements, new update, exclusive new partner and more!

Advertiser Disclosure: Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all financial or credit offers available.