What is DARTS?

DARTS is a company with a mission to promote financial inclusion by providing accessible and affordable credit-building tools. The DARTS Credit Builder Account offers a starting point for establishing credit from scratch. If you have poor credit or a low credit score, the Credit Builder Account is an opportunity to add positive credit history to your credit report.

How does the DARTS Credit Builder work?

You choose a credit builder loan that you can afford and a term that meets your needs, then open your account. DARTS reports the new installment loan to the credit bureaus at the beginning of each month until your scheduled payments are complete.

How does DARTS credit builder loan work?

A Credit Builder loan is a secured installment loan where the funds are held until you've fully repaid the loan. Unlike other loans, the amount is stored in a secure bank account while you make regular payments. Since the goal is to build credit history, you receive the money at the end. Unlike payday loans or some unsecured personal loans, the Credit Builder Loan details and your monthly payments are reported to the credit bureaus, allowing you to build credit through timely payments.

Is a credit builder loan like a secured credit card?

Many people use a secured credit card for the same reason they choose a credit builder loan—to build credit history for future access to loans like a mortgage or car loan. While both are secured credit products, secured credit cards and credit builder loans work differently, though they can be combined to build credit. Learn how DARTS’ Credit Builder Account can be your first step toward obtaining a secured credit card.

What is the DARTS app?

The DARTS app will launch on iOS and Android.

Does the DARTS Credit Builder work?

Results may vary, but hundreds of thousands of people have used a credit builder loan through DARTS.

How fast does DARTS build credit?

The time it takes to improve your credit score varies for each individual. Some DARTS Credit Builder Account holders see an impact after the first report to the credit bureaus, while others may not notice changes until multiple payments have been made and reported. The timing and extent of the impact depend on your existing credit history and how consistently you manage your monthly payments.

Does DARTS give you money?

A DARTS loan differs from other loans. Designed to help you build credit, the DARTS Credit Builder does not provide funds upfront; instead, you receive the money at the end of the term (minus interest and fees). The loan principal is securely held in a bank account until the loan is fully repaid.