Fresh insights from new experts every week.

Get the best insights, delivered straight to your inbox.

Featured Posts

Build-Credit

Immigrants And Homeownership: Building Credit For The American Dream

Build-Credit
Credit Building Mistakes To Avoid: Common Pitfalls And How To Steer Clear
Build-Credit
How To Establish Credit History As An Immigrant With No Credit
Build-Credit
8 Best Credit Building Tools For Bad Credit

Latest Posts

Rent
Income to Rent Ratio: What It Means and Why Renters Should Care
Rent
How Much Should I Spend on Rent? Understanding the Rent to Income Ratio in 2025
Rent
Price to Rent Ratio in 2025: What It Really Tells You About Buying vs Renting
Rent
How Much Should Rent Be of Income?
Rent

The Rent to Salary Ratio: What It Really Says About Your Budget

Product Tutorial

Build-Credit
4 Best Financial Resolutions For The New Year In 2024
Creditscore
What Is A Good Credit Score To Buy A House?
Build-Credit
Immigrants And Homeownership: Building Credit For The American Dream

Try Cheers at no cost.

No credit pull, no fees.
Get started now
The first 7 days are on us
Free hands-on onboarding & support
30 days money back guarantee

Cheers to your better credit!

hello@saasbox.com+99-565-654
Blog
Blog 1Blog 2Blog 3Blog Single
E-commerce
Pricing Plans (E-commerce)Pricing SelectedCheckoutCheckout (Paypal)
Company
AboutCareersCareers SingleContact
Resources
Case StudiesCase Study SingleReviewsIntegrationsIntegrations Single
Resources
DownloadsBook A DemoTerms & Conditions
Others
Sign UpLog InPassword404
Style GuideLicensesInstructionsChangelog
© 2025 Cheers Financial Inc. All rights reserved. See Privacy Policy | Terms
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 (2023–2024), 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.
Style GuideLicensesInstructionsChangelog
Style GuideLicensesInstructionsChangelog