A credit builder built around a real installment loan. Small payments every paycheck, reported to all three credit bureaus, with your money returned as a savings lump sum at the end.
WHAT IT IS
A credit builder that actually fits your life.
Most credit-builder products were designed for people who already have steady income, healthy savings, and a financial situation that resembles their parents' or grandparents'. That's not most of us.
Qash Plan is different. You pay a small amount every paycheck, the app reports those on-time payments to all three credit bureaus as an installment loan, and at the end of 52 weeks you get your money back as a savings lump sum. Installment loans with consistent payment history are exactly what credit scoring models weight favorably.
Plans start small and grow gradually as you go, so you build the habit without the strain. The smallest plan starts at $1 a week.
HOW A PLAN WORKS
A walkthrough using the $1 starter plan.
The smallest Qash plan starts at $1 in week one and grows by $1 every week for 52 weeks. By the final week, you're paying $52. After that, you get your money back as a savings lump sum.
What it looks like, week by week
Week
Payment
Running total
1
$1
$1
10
$10
$55
26
$26
$351
40
$40
$820
52
$52
$1,378
Total paid in over 52 weeks: $1,378. That's also your savings payout at the end. Each on-time payment is reported as an installment loan to Experian, Equifax, and TransUnion.
The starter plan is the smallest. Plans go up from there based on your income, but the same shape applies: you start small, grow steadily, finish with a savings payout.
There's one upfront service fee at signup, fully refundable in 15 days. That's Qash's only fee. Bigger plans for higher incomes have bigger fees.
What makes Qash different
Four things you should know.
1We verify your income before we offer a plan.
Quickly, and only once at signup — so the app offers you a plan you can actually handle, not one that overshoots and sets you up to miss payments.
2We never report your rent, phone, or utility bills.
Other apps pitch reporting those as a feature. The truth: on-time payments barely help your score, and one late payment can wreck it. We're not putting you in that trap.
3One upfront service fee, fully refundable in 15 days.
That's it. No hidden fees, no monthly subscriptions, no surprise charges. The 15-day refund means you can change your mind without losing money.
4You get your money back at the end.
The total you've paid in over 52 weeks comes back to you as a savings lump sum. You finish with credit history AND with money in hand.
According to the most recent Federal Reserve data:
32 million Americans
Are considered "unscoreable" by the credit-scoring models lenders actually use. If you've ever been turned down for a loan you could clearly afford, asked for a co-signer for a basic apartment lease, or charged more for car insurance because of "credit-based pricing," you might be in this group. Most people in it don't think of themselves as having a credit problem. They think of themselves as people who pay their bills. The system has decided otherwise.
Below, you'll find the option to join the waitlist. After that, we'll point you to a deeper piece on the full story behind why we're building this.
Source: Federal Reserve Consumer & Community Context, October 2025.
WHEN YOU CAN SIGN UP
Not yet, we're still pre-launch.
We're testing Qash with our first audience right now. Once the research validates what we've built and the launch infrastructure is in place, the first plans go live for ages 18-24. Older audiences come next.
The team is small and we're moving deliberately. We'd rather launch something we believe in than rush something we can't stand behind.
Want to know when Qash is ready?
Drop your email below. We'll send you a heads-up when we launch and nothing else.
No spam. We'll only email you about Qash launch updates.
As promised
The full story behind why we're building this.
The personal moment that started Qash Plan, the math behind why some "credit-building" products carry hidden risk, and how to evaluate any credit-builder before signing up.
A note on what we can and can't promise: Credit scoring outcomes depend on each person's individual credit profile, payment behavior, and other factors outside our control. Qash Plan reports payment history to the credit bureaus, which is one input into how scores are calculated. We can't promise a specific score increase for any individual.
Built by a small team who got tired of watching credit systems ignore the people who need them most. Your data stays yours.
