Start Your Credit Builder Journey
Build and strengthen your credit with a structured, guided program.
Create Your Account
Email address
Password
Confirm Password
Continue
Already have an account? Login
Start Your Credit Builder Journey
Build and strengthen your credit with a structured, guided program.
Personal Information
First Name
Last Name
Date of Birth
Back
Continue
Start Your Credit Builder Journey
Build and strengthen your credit with a structured, guided program.
Contact & Address
Street Address
City
State *
ZIP Code *
Email address
Phone Number
Back
Continue
Start Your Credit Builder Journey
Build and strengthen your credit with a structured, guided program.
Identity Verification
Social Security Number(SSN)
Confirm Social Security Number(SSN)
SSN doesn’t match
Back
Continue
Start Your Credit Builder Journey
Build and strengthen your credit with a structured, guided program.
Terms & Agreements
Start today with confidence prequalifying won’t hurt your credit!
Discover your financing options without impacting your credit.

At Banrox Inc., we make financing fast, easy, and transparent. Checking your eligibility for a loan or credit product will not affect your credit score and helps us match you with the best financing options.

  • No impact on your credit score – We perform a soft inquiry to check eligibility.
  • Fast & easy – Answer a few simple questions and get results in minutes.
  • Know your options – See potential loan offers before applying.
If you decide to move forward with a loan or credit product, a separate authorization will be required to proceed with a full application, which may involve a hard inquiry that could impact your credit score.
Back
Continue
Start Your Credit Builder Journey
Build and strengthen your credit with a structured, guided program.
Review and Sign Your Credit Builder Agreement
Your credit builder agreement is shown below with your information pre-filled. Please review carefully before signing.
CREDIT BUILDER SERVICE AGREEMENT
(Fixed-Term, Non-Disbursed Credit Reporting Program)

This Agreement outlines the terms and conditions of the Credit Builder Program ("Program") provided by Banrox Inc., a California-licensed finance company (CFL License #11481-99), headquartered at 40 N. Altadena Dr., Suite 105, Pasadena, CA 91107.

Program Summary & Purpose

Banrox Inc. ("Banrox") is a California-licensed finance company (CFL License #11481-99) offering credit-building services to individuals seeking to establish or improve their credit history. Through this Credit Builder Program ("Program"), users agree to make scheduled monthly service payments to simulate positive installment loan activity, which may be reported to one or more national credit bureaus.

This Agreement does not represent a traditional loan, line of credit, or disbursement of funds. Instead, Banrox provides a credit-building service through the following structure:

  • Simulated Loan Amount (for reporting purposes only): $3,000.00
    Monthly Program Fee: $30
  • Term: 12 months
  • Interest Rate: 0.00%
  • Maturity Date: Not applicable (no funds disbursed)
  • Disbursement: No funds will be sent or transferred to the participant
  • Payment Method: Card or ACH (auto-debit)

This Program is intended solely to help participants demonstrate consistent payment behavior for the purpose of establishing positive payment history on their credit reports. No guarantee is made regarding credit score improvement.

Program Summary Disclosure

The material loan disclosures required under the Truth in Lending Act (15 U.S.C. §1601 et seq.) are presented in Exhibit A to this Agreement and incorporated herein by reference.
CREDITOR:Banrox 40 N Altadena Dr Ste 105Pasadena, CA 91107

Sign & Confirm
Back
Start Your Credit Builder Journey
Build and strengthen your credit with a structured, guided program.
Proceed Payment to Continue
Complete your first service fee payment
You’ll be redirected to our secure payment partner, Stripe.
Selected credit builder option
$150/year
Monthly service fee for 12 months
Secure payment powered by Stipe
Back

Get Your Full Report

Enter your details to save this calculation and receive a detailed financial plan.

Success!

Your calculation has been saved. We will contact you shortly.