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No credit? Low credit?
Ruproa can help.

The safe way to build credit

We help you establish positive payment history and lower utilization, both important factors for raising your credit score.

No credit check

No hard pulls required

Starts at $5/mo

Cancel anytime

Easy & automatic

With the optional Autopay, never worry about due dates.

Track your credit journey

With our credit monitoring reports, see insights like problem areas so you stay on track to increase your score.

Meet our customers

"Ruproa is the best way to build credit quickly."
- Fredrika, a real Ruproa customer

We've helped members increase credit scores by a total of 9.6M points

Get started

Don't just take our word for it.

Join over a million people building their credit with Ruproa.

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Have questions?

Ruproa is a credit-building service designed to help you build credit safely and responsibly. Our products are designed to target the 5 major credit score factors.

Ruproa offers 2 products:

  1. Ruproa Credit Account - this is a revolving line of credit. This account builds monthly payment history and helps reduce your credit utilization.
  2. Ruproa Credit Builder Loan - this is an additional product for customers with positive payment behavior on Ruproa products. Credit Builder Loan is a 1-year savings plan for $10/month.

The Ruproa Credit Account is a revolving line of credit that gets reported to Equifax and Experian.

You are able to use the Ruproa Credit Account to finance the purchase of goods and services from Ruproa.

Unlike a credit card, the Ruproa Credit Account can only be used to make purchases from Ruproa (e.g. can’t buy gas or groceries). There is no physical card with the Ruproa Credit Account.

On average, customers with credit scores under 600 increase their credit scores by 58 points[1], with consistent on-time payments during the account lifetime. Many Ruproa customers have been able to qualify for better car loans, mortgages, credit cards, personal loans, and more.

Keep in mind, credit building is a long-term habit – like eating healthy or working out – so the most important thing is to make good financial habits: make your payments on-time, keep your utilization low, and practice good financial habits.

[1] Credit Score Increase: Based on Ruproa customers that used the Credit Account product and made consistent on-time payments during account lifetime. This data is based on observed VantageScore 3.0 credit score changes. Payment behavior can have an impact on your credit score, and individual results may vary. Data current as of March 2022.

Ruproa is an official data furnisher to the 3 major credit bureaus: Equifax, Experian, and TransUnion.

Please note that reporting depends upon which Ruproa products you have:

  • Ruproa Credit Account reports to Equifax and Experian.
  • Credit Builder Loan (optional add-on) reports to TransUnion and Equifax.

With Ruproa, there are no additional fees.

You are responsible for paying back any purchases financed by the Ruproa Credit Account, but there are no additional interest fees, late fees, or other fees.