# What is the Credit Builder Plus Membership?

> Credit Builder Plus is our powerful credit-building membership, and it’s designed to help our members build or repair their credit, create savings, est...

Source: https://help.moneylion.com/en_us/what-is-the-credit-builder-plus-membership-B1VgnGAMY

Last updated: 2026-06-22T18:45:45.191Z

Credit Builder Plus is our powerful credit-building membership designed to help build or repair credit, create savings, and establish financial literacy. As a member, you can enjoy:

  

*   Enhanced Credit Monitoring with weekly credit score updates, personalized insights, and real-time alerts
    
*   Eligibility to apply for a [Credit Builder Loan](https://help.moneylion.com/categories/credit-builder-loan-rkKva9_Ta)
    
*   Access to a [Managed Investing Account](https://help.moneylion.com/categories/managed-investing-Hkzyxjuaa) with waived monthly fees
    
*   Cashback rewards for engaging in credit-building activities through our Lion’s Share Loyalty Program
    
*   Exclusive content and educational tools designed to boost your credit health
    
*   Increased eligibility limits of interest-free [Instacash](https://help.moneylion.com/categories/instacash-HJo01iOaT)® advances
    

  

The membership includes a monthly fee of $19.99 for Credit Builder Plus and any regular loan payments if you have an active Credit Builder Loan.

## How to sign up

1.  Open the MoneyLion app. If you don't have it yet, go ahead and download it.
    
2.  Sign in to your account (or create one if you're a newbie).
    
3.  Navigate to the Accounts tab (it’s the center icon at the bottom of your screen)
    
4.  Choose the Credit Builder Plus option and follow the prompts to sign up.
    
5.  Review the loan terms (if applicable) and confirm your subscription. After that, boom! You’re officially a Credit Builder Plus member.
    
6.  Watch that credit score soar!—make on-time loan payments, sit back, and watch your finances thrive.
    

  

Need a hand? No problem. Contact Customer Care through the app, and they’ll set you up in no time. They’re also available 24/7 at 1-844-224-0087.

  

[Learn more about Credit Builder Plus here.](https://help.moneylion.com/categories/credit-builder-plus-rJRAaOxa0)

  

* * *

  

Credit Builder Plus membership ($19.99/mo) unlocks eligibility for Credit Builder loans and other exclusive services.

  

Credit Builder loans have an annual percentage rate (APR) ranging from 5.99% APR to 29.99% APR, are offered by affiliates of MoneyLion and subject to approval. The Credit Builder loan may require a portion of the loan proceeds to be deposited into a Credit Reserve Account maintained by ML Wealth LLC and held in non-marginable securities by DriveWealth LLC, member SIPC and FINRA. Not 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 and ML Wealth LLC’s FORM ADV. Please also refer to your Loan Agreement.

  

Credit score improvement is not guaranteed. 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.

  

Instacash® is an optional service offered by MoneyLion. Your available Instacash® advance limit will be displayed to you in the MoneyLion mobile app and may change from time to time. Your limit will be based on your direct deposits, account transaction history, and other factors, as determined by MoneyLion. Expedited delivery requires Turbo Fee. See [Instacash® Terms and Conditions](https://www.moneylion.com/terms-and-conditions/#ml-instacash) for more information and eligibility requirements.

_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 an FDIC-insured depository institution._

  

Investment advisory services provided by ML Wealth LLC. Investment Accounts Are Not FDIC Insured • No Bank Guarantee • Investments May Lose Value. For important information and disclosures relating to the MoneyLion Investment Account, see [Investment FAQs](https://help.moneylion.com/categories/managed-investing-BJRt3z0MY), [Form ADV Brochure](https://www.moneylion.com/adv), and [moneylion.com/investing](http://moneylion.com/investing). Accounts are subject to a monthly account fee of $1, $3 (accounts valued over $5,000), or $5 (accounts valued over $25,000).

Administrative Fees and Account Fees are not reimbursed if the Credit Builder Plus membership is deactivated or suspended at the time the fee is charged. The membership must be in good standing and an active state.

  

Lion’s ShareSM Loyalty Program and monthly payment are subject to terms and conditions. See [here](https://get.moneylion.com/lionsshareterms/).