# How much are Credit Builder Plus membership fees and when will I be charged?

> The Credit Builder Plus membership costs $19.99/month. If you have a Credit Builder Plus loan, then the loan payments will be in addition to your membership ...

Source: https://help.moneylion.com/en_us/how-much-are-credit-builder-plus-membership-fees-and-when-will-i-be-charged-Bkne2M0GK

Last updated: 2026-06-22T19:02:28.392Z

The Credit Builder Plus membership costs $19.99/month. If you have a Credit Builder Loan, then the loan payments will be in addition to your membership fee and charged separately. We will schedule your membership fee payment date and any loan due dates to align with your paycheck frequency to make payments easier. 

For example, here’s how the $19.99/month membership payment breaks down by pay schedule:

*   Weekly membership payment: $4.60
*   Biweekly membership payment: $9.20
*   Semi-monthly membership payment: $9.99
*   Monthly membership payment: $19.99

  
To view your membership payment schedule, click into your Profile menu in the top left corner of the app and navigate to the Membership page.

If you have an active Credit Builder Loan, your loan payment will be collected as a separate transaction and will include both the principal payment and interest due. Your loan payment schedule can be found by clicking on the “Loans” tab in your app and then selecting “Payment Schedule”.  

Remember, Credit Builder Plus members can earn a Lion’s Share payout of up to $19.99 a month by logging into the MoneyLion app 20+ times that month and using their MoneyLion Debit Mastercard® for 20 or more purchases of $10 or higher in a calendar month. Learn more [here](https://moneylion.kustomer.help/en_us/what-is-the-lion's-share-loyalty-program-HkTZhzAMt).

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_Credit Builder Plus membership ($19.99/mo) unlocks eligibility for Credit Builder Loans and other exclusive services. A soft credit pull will be conducted which has no impact to your credit score. Credit Builder Loans have an annual percentage rate (APR) ranging from 5.99% APR to 29.99% APR, are made by either exempt or state-licensed subsidiaries of MoneyLion Inc., and require a loan payment in addition to the membership payment. The Credit Builder Loan may, at lender’s discretion, require a portion of the loan proceeds to be deposited into a reserve account maintained by ML Wealth LLC and held by DriveWealth LLC, member SIPC and FINRA. The funds in this account will be placed into money market and/or cash sweep vehicles, and may generate interest at prevailing market rates. You will not be able to access the portion of your loan proceeds held in the credit reserve account until you have paid off your loan, and until your Credit Builder Plus membership payments are current. If you default on your loan, your credit reserve account may be liquidated by the lender to partially or fully satisfy your outstanding indebtedness. May not be available in all states._

_Credit Reserve Accounts Are Not FDIC Insured • No Bank Guarantee • Investments May Lose Value. For important information and disclaimers relating to the MoneyLion Credit Reserve Account, see [Investment Account FAQs](https://help.moneylion.com/categories/investing-Sy3AJsupa) and [FORM ADV](https://www.moneylion.com/adv)._

_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._

_MoneyLion is a financial technology company, not a bank. MoneyLion Spend demand deposit account is provided by, and MoneyLion Debit Mastercard® is issued by, Pathward®, National Association, Member, FDIC. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account. MoneyLion is not itself a bank or a FDIC-insured institution and the FDIC's deposit insurance coverage only protects against the failure of a FDIC-insured institution. Pathward, National Association is a FDIC-insured depository institution._

_Lion’s Share℠ Loyalty Program and monthly payment are subject to terms and conditions, see [here](https://get.moneylion.com/lionsshareterms/)._