📈 Build Your Credit
KoalaFi reports to TransUnion. Make on-time payments and watch your credit score grow.
See Your Credit Grow
Real customers have seen significant credit score improvements with KoalaFi
*Results vary. Based on customers who made all payments on time.
How Credit Building Works
Understanding how KoalaFi helps you build credit
We Report to TransUnion
Every payment you make is reported to TransUnion, one of the three major credit bureaus. This creates a positive payment history on your credit report.
On-Time Payments Matter
Payment history is the most important factor in your credit score (35%). Making all payments on time shows lenders you're responsible.
Build Credit Utilization
As you pay down your balance, your credit utilization improves. Lower utilization = higher credit score.
Establish Credit History
Length of credit history matters. KoalaFi helps you establish a positive track record over time.
Tips to Maximize Credit Building
Set Up Autopay
Never miss a payment by enabling automatic payments from your bank account.
Pay More Than Minimum
Extra payments reduce your balance faster and show responsible credit behavior.
Don't Max Out Your Limit
Keep your utilization below 30% of your approved amount for best results.
Monitor Your Progress
Check your credit report regularly to see your score improve over time.
Be Patient
Credit building takes time. Consistent payments over 6-12 months show the best results.
Start Building Your Credit Today
Apply for KoalaFi and take the first step toward a better credit score.
Apply Now →