# Can I access my credit reserve account funds early?

> You may access the funds in your Credit Reserve Account early by using the funds to  pay off your Credit Builder Plus loan in full  (which means ...

Source: https://help.moneylion.com/en_us/can-i-access-my-credit-reserve-account-funds-early-Sk9hGCfY

Last updated: 2024-03-10T23:55:36.210Z

You may access the funds in your Credit Reserve Account early by using the funds to pay off your Credit Builder Loan in full (which means repaying the outstanding balance of the amount of the loan disbursed to you upfront, the original amount disbursed to the Credit Reserve Account, plus any interest incurred on the loan). You will only have the option to pay your loan in full using your Credit Reserve Account if the amount in the Credit Reserve Account exceeds the outstanding balance on your loan. 

However, in order to get the maximum credit building benefit from the program, we strongly recommend that you make on-time payments through the 12-month term of the loan. Good payment history is a major contributor to your credit score!

If you want to use your Credit Reserve Account to pay your Credit Builder Loan in full, click on the Loans tab of the MoneyLion app and then click on your active Loan to see your Pay In Full options. Learn more [here](https://moneylion.kustomer.help/en_us/how-do-i-pay-off-my-loan-B1uXnfRfY).

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_Credit score improvement is not guaranteed. A soft credit pull will be conducted which has no impact to your credit score. Credit scores are independently determined by credit bureaus, and on-time payment history is only one of many factors that such bureaus consider. Your credit score may be negatively impacted by other financial decisions you make, or by activities or services you engage in with other financial services organizations. MoneyLion is not a Credit Services Organization._