OnePay Credit Builder Loan Application and Onboarding

How do I sign up for OnePay Credit Builder Loan?#

Credit Builder Loan is available to customers who began banking through OnePay before September 1, 2026. If you qualify, open the OnePay app and navigate to the Home tab. In the 'Discover More' section, select the Credit Builder Loan banner and start the application or if eligible, you can also tap here. 

If you began banking through OnePay on or after September 1, 2026, Credit Builder Loan isn't available to you. Builder Card is a great alternative for building credit.

If you do not bank through OnePay, download the OnePay app and select Join OnePay to apply.

What is the minimum income required to sign up for a Credit Builder Loan? #

There’s no minimum income requirement to sign up for a Credit Builder Loan.

Will there be a hard inquiry to my credit if I sign up?#

No, but you may see a soft inquiry on your credit history. Soft inquiries will not have a negative effect on your credit score.

For additional information on understanding your credit score, tap here.

Will I be denied if I have bad or no credit? #

We won’t deny anyone based on a low credit score or prior credit history. Previous account history at OnePay may impact your eligibility for Credit Builder Loan and restrictions placed on your credit report (like a credit freeze) may impact availability.

Why was I denied a Credit Builder Loan?#

You’ll receive an email which will explain the reason(s) for our decision. If you haven’t received this message please contact us or say "Agent" in chat, and we’ll resend it to you.

What eligibility requirements do I have to meet to apply for a Credit Builder Loan?#

You must be 18 years or older (21 if you reside in Mississippi), live outside of Massachusetts, and have joined OnePay before September 1, 2026.

If I am denied, how long do I need to wait before I can sign up again?#

You can reapply at any time as long as you are eligible. Post September 1, 2026, the OnePay Credit Builder Loan is only available to customers who joined OnePay before September 1, 2026.

What if my credit is frozen or locked?#

To unfreeze your credit report temporarily or permanently, you'll need to contact the credit bureaus since the action must be taken by the bureaus directly. Some bureaus can lift the freeze in a few hours, while others might take 1-2 days.