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Verified Top PickCredit Strong lists its MAGNUM credit builder account from $30 a month with $25 due today, building $2,000 to $10,000 of installment credit over a 10 year loan term. The $25 is a non-refundable administrative fee charged on all MAGNUM accounts, as shown on magnum.bank on 23 October 2026.
Limited Time Offer
$4,000
VerifiedThe comparison table on magnum.bank lists MAGNUM 4000 at a $55 monthly payment to build $4,000 of credit over up to 120 months, with its APR shown in the same table, as seen on 23 October 2026. Payments are principal plus interest, and the principal is returned when the account is closed.
Limited Time Offer
$10,000
VerifiedThe comparison table on magnum.bank lists MAGNUM XL 10K at a $135 monthly payment to build $10,000 of credit over up to 120 months, with its APR shown in the same table, as seen on 23 October 2026. The $25 non-refundable administrative fee applies.
Limited Time Offer
Monthly
VerifiedCredit Strong includes a free FICO Score each month with MAGNUM accounts, and reports account payments to Experian, Equifax and TransUnion, as stated on magnum.bank on 23 October 2026.
Limited Time Offer
Cancel
VerifiedCredit Strong states that MAGNUM accounts have no prepayment or early withdrawal penalties, so you can pay more than the minimum or close the account at any time, as shown on magnum.bank on 23 October 2026. The $25 administrative fee is not refunded.
Limited Time Offer
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Everything shoppers ask before using Credit Strong - Credit Builder Account - US offers.
Credit Strong does not publish a promo code for its MAGNUM accounts. Its published costs start from $30 a month with a $25 non-refundable administrative fee, as shown on magnum.bank on 23 October 2026.
The magnum.bank comparison table lists MAGNUM 4000 at $55 a month with an 11.11% APR and MAGNUM XL 10K at $135 a month with a 10.57% APR, each for up to 120 months. All MAGNUM accounts carry a $25 non-refundable administrative fee.
Yes. Credit Strong states that MAGNUM accounts have no prepayment or early withdrawal penalties and can be closed at any time. The remaining balance is paid off from the secured loan funds and the principal paid in is returned.
Yes, MAGNUM accounts are reported to Experian, Equifax and TransUnion. The provider says reporting may start only after the account has been open for 90 days with 3 required payments made.
A practical savings guide for shoppers using Credit Strong - Credit Builder Account - US offers.
Credit Strong does not publish a promo code or discount for its MAGNUM accounts. What it does publish is the cost: monthly payments, the administrative fee, the APR on each plan and the cancellation terms. This page lists those figures as the provider shows them, without any view of our own on whether the product suits you.
MAGNUM is a cash secured credit builder loan. You do not receive the loan money when the account opens; it is held in a deposit account as collateral. You make monthly payments of principal and interest, the payments are reported to Experian, Equifax and TransUnion, and the principal is returned to you when the account closes. The provider notes that, because of the account size, reporting may only start after 90 days and 3 on-time payments.
The provider lists cases where MAGNUM is not a good fit: if you cannot make the minimum monthly payment on time every month, cannot keep the account open for at least 24 months, have a bankruptcy less than 7 years old, have had late or missed payments in the last 12 months, or plan to apply for a mortgage or a business loan with a personal guaranty within 12 months. Its own disclaimer says no credit score increase is guaranteed and that late payments may be reported as delinquent.
The interest you pay is the provider's charge for the service, so the total cost depends on the plan size and how long the account stays open. Read the full plan details and interest rates linked from magnum.bank before applying, and choose a monthly payment you can keep up for the whole term.
Fees and terms on this page were checked on the provider's own website on 23 October 2026.
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