No upfront costs
Unlike other credit building services, we don’t require you to lock away money and pay it back over time.
The easiest way to build credit
Credit Builder is a newer, smarter way for Dave members to build credit without any extra steps or hassle. It’s simple: Just take an ExtraCash™ advance and settle it on time as you normally would.
The best part? For a limited time, Credit Builder's on us for your first 3 months.1 Learn about ExtraCash™
How Credit Builder works
Sign up
Enroll in Credit Builder through your ExtraCash™ account.
Settle
Pay back ExtraCash™ advances on time.
Report
Dave reports your settlements each month.2
Why your credit matters
Your credit history is a record of your loans and lines of credit and your ability to pay those back. Adding and using lines of credit by borrowing money and paying it back on time is a key part of building your credit history—as well as your overall financial health. Unlocking your credit potential now can open countless doors in the future. It could help you finance a car or home, get better interest rates, upgrade your credit card, and more.3
How we can help
We’re the first banking app to bring credit building to ExtraCash™ advances. Now every time you pay back an ExtraCash™ advance on time, you can build credit. We turned this simple action into one that can have a positive, long-term impact on your credit journey. No guesswork. Just growth. 💪
Simple down to the details
Building credit shouldn’t be hard—so we removed the typical hurdles.
No credit check
We don’t do soft pulls or hard checks. Why? Because Credit Builder is designed to meet you wherever you are on your credit journey.
No extra steps
You don’t have to set up direct deposit with Dave or manage your own credit score.4 Just settle your ExtraCash™ advance and we’ll handle the rest.
Kickstart your credit journey
Begin building credit today without a credit check or upfront costs.
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