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Build Your Credit

You can build consistent payment behaviour to increase your credit score!

Achieve your financial goals

No hard credit check when you apply

$10 monthly payment ($5 savings & $5 program fee for 24 months)1

You can cancel anytime without penalty

How It Works

Sign up for Credit Builder

Takes only 5 minutes, and approval is guaranteed1

Connect your bank account

Pay $10 per month for 36 months, get back $240 at the end of the term2

Make your payments

Payments will be reported to Equifax Canada, and will appear on your credit report

Track your credit progress

Consecutive successful installment loan payments can help to build credit history3

Who Benefits

Those who want to build their credit history

Those who want to improve their credit score to access more products & lower interest rates

To qualify for Credit Builder you must be a Canadian Citizen or Permanent Resident. You must be the age of majority in your province/territory. Credit Builder is not available in Saskatchewan, New Brunswick and Québec.

This program will report to Equifax Canada as a Mycreditz installment loan of $240 with a 36 month term at a 0% interest rate (29.27% APR).

  1. After your 24th payment, you can continue the program with no fees for another 12 months or you can cancel any time without penalty.
  2. We report all payments to Equifax Canada. If you miss a payment, this can negatively impact your score.
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