Build credit while saving and winning
The only credit builder that gives you a chance to win big cash prizes.
Build your credit while getting chances to win prizes every week. No hard credit check.
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How it Works
Apply for the Credit Builder Bucket
  • No hard credit check. If approved, you get $1,000 deposited into your Credit Builder Bucket.
Get tickets to win prizes
  • Funds are held in a special locked bucket. You earn 40 tickets every week into the Yotta sweepstakes.
Build credit history with each on-time payment
  • You pay $55 every month for 24 months. We report each payment to all three credit bureaus every month.
  • Similar products have seen users improve their credit score by 42+ points within 60 days¹
Unlock your $1,000 savings
  • Once you've paid off the loan, the Credit Builder bucket is unlocked and you get access to the entire loan amount of $1,000.
Track your history
We will check your credit score every month and let you know how it's improving automatically!
Payment history makes up 35% of your credit score and credit history length makes up 15%.
The Yotta Credit Builder bucket helps you build both a payment history and your credit history length while getting tickets to win!
A higher credit score can save you thousands
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