Build Credit.
Build Savings. Cheers!

A faster way to build credit¹ - with a lower cost and no surprises.²

See Plans that Fits My Goal

The Cheers Advantage

Accelerated Reporting

We report to all 3 bureaus within 15 days of account opening.¹

Proven Score Impact

95% of users with fair credit see a 20+ point increase in just 2 months.³ Starting below 580? You could see even more.

Build Credit & Keep More

You get your full savings back minus a low 12.15% APR interest.
No hidden fees. No wasted money⁴.

Cancel Anytime, No Risk

No contracts, no penalties. Cancel anytime and take your savings with you⁵.

Community Support

Join a community of like-minded individuals on a journey to better credit and financial health.

Automated Payments

Stay on track with stress-free autopay, ensuring your credit-building journey is smooth and hassle-free.

Comprehensive Reporting

Maximize your credit-building potential with reports to Experian, Equifax, and TransUnion.

Cancel Anytime

Life happens. Pause or cancel anytime, and take your savings with you, no questions asked.

Sign Up in Minutes.
Start Building Credit in Days.

Select a plan—signing up is easy and takes just minutes. We report to all three bureaus (Equifax, Experian, and TransUnion) within 15 days of your account opening, thanks to accelerated reporting.¹ Enjoy even more automation by enrolling in autopay. Sit back while your score gets moving.

Why it works

35% of your score comes from payment history, and 10% from credit mix. Cheers helps with both — by reporting every payment and adding a secured installment loan to your profile.⁶

Unlock Your Savings & Reach Your Goal - The Cheers Way!

At the end of your term, your full savings comes back to you—minus a 12.15% APR. It’s credit building that’s simple, safe, and rewarding. No hidden fees. Just real progress.

Why it works

While you’re building credit, your payments are held safely in a locked savings account with our partner bank. It’s secure and automatic.

Flexible Plans for Every Financial Journey

Get Started with Cheers Today.

Accelerated Reporting¹

Low APR & No Fees

No Credit Check
- subject to ID verification.⁷

See Plans that Fits My Goal

Cheers to your better credit!

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© 2025 Cheers Financial Inc. All rights reserved. See Privacy Policy
Cheers is a financial technology company and not a bank. Banking services are provided by Sunrise Banks N.A. Your funds are FDIC insured up to $250,000 through Sunrise Banks, N.A., Member FDIC. Results are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month may result in delinquent payment reporting to credit bureaus, which may negatively impact your credit score. This product will not remove negative credit history from your credit report. All loans are subject to approval.
¹ Accelerated Reporting:

Accelerated reporting applies to the opening of your account, plus the first payment. Credit bureau reporting occurs monthly thereafter.
² APR Comparison & Affordability:

Cheers Interest is calculated using an amortized repayment schedule at a fixed 12.15% Annual Percentage Rate (APR). Comparable products may charge APRs up to 36%, according to publicly available terms. Cheers also charges no administrative or hidden fees.
³ Credit Score Impact:

Based on internal user survey data (2024), 95% of users with fair credit (580–669) saw a credit score increase of 20+ points after two months of on-time payments. Individual results may vary. Late or missed payments can negatively affect your credit.
⁴ No Hidden Fees:

There are no application fees, maintenance fees, or early cancellation penalties.
⁵ Cancel Anytime & Get Savings Back:

At the end of your term, your total savings (minus interest) is returned to you. You can cancel your account at any time without penalty.
⁶ FICO® Credit Factors:

According to FICO®, 35% of your credit score is based on payment history, and 10% is based on credit mix. Cheers reports every payment and adds a secured installment loan to your profile. Source: myFICO
⁷ Eligibility Criteria:

Must be at least 18 years old, have a valid U.S. bank account, and a Social Security Number. All accounts are subject to identity verification and consumer report review by the issuing bank, Sunrise Banks N.A., Member FDIC.