Union Plus
Credit Building

Money for now + savings for later

We're here to help you master your money and start building for your future — regardless of your starting point.

Learn more

The Union Plus Credit Building plan gives you a way to access the money you need now or build your credit to set you up for a strong financial future.

Borrow without fear + save without stress

Get ready to build your credit

The Union Plus Credit Building program features SeedFi plans to give you a way to grow your money and get a leg up on the tomorrow you deserve.


Choose the SeedFi plan that’s right for you

I want to build my credit

Credit Builder Prime Plan

You don't need good credit — or any credit — and no credit check to apply!

  • SeedFi adds money to your locked savings account: This acts as a small interest fee loan. You select the amount, as little as $10.
  • Repay SeedFi for the savings given: These payments help you build your credit!2
  • Repeat and access your $500: Every time you save $500, we give you access to it. Repeat these steps and keep your plan active to maximize impact.
I need to access cash quickly

Borrow & Grow Plan

Borrow the money you need now with built-in savings for later.

  • Borrow money now3 + extra savings for later:  These special loans allow you to access up to $4,000 now & the rest gets locked in your SeedFi Savings Account.3
  • Build your credit: Your payments are loan payments, so every on-time payment builds positive payment history.
  • You'll have savings to unlock when you finish paying off your loan!
A bonus to add to your savings

The Borrow & Grow Plan (+$10 welcome bonus)!

We're ready to pad your savings account from day one! Receive a $10 welcome bonus from SeedFi when you enroll in the Borrow & Grow Plan.

Enroll now and get a $10 bonus

Need help?

Have additional questions not covered here? Reach out to us at help@seedfi.com.


Your questions, answered.

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Banking services and loans are provided by SeedFi's banking partner, Cross River Bank, Member FDIC.

1Credit Builder Prime plans require that you open a line of credit and two no-fee savings accounts provided by SeedFi’s bank partner, Cross River Bank, Member FDIC. The savings accounts are opened as part of the application process.

2Using Credit Builder Prime does not guarantee an increase to your credit score, and individual results may vary. It's important to make on-time payments but other factors can affect your credit score, including performance on other credit accounts.

3Borrow & Grow Plan loans for first-time borrowers range from $1,200 to $7,000 with $300 to $4,000 accessible immediately and the rest of the loan locked in a savings account until you repay in full. Repayment periods range from 8 months to 48 months, and APRs range from 7.42% to 29.99% Advertised rates and terms will be subject to change without notice. Your actual APR and other loan terms will be shown to you as part of the online application process.

4Borrow & Grow Plans require that you open a no-fee SeedFi Savings Account provided by our bank partner, Cross River Bank, Member FDIC. The account is opened as part of the application process.