Boost your credit score on autopilot

We're here to help you build credit while you save, effortlessly. Join our community of 50,000+ members taking control of their financial journey.

🔒 No credit check • Free to start • Cancel anytime

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How it works

How to build credit with a Sable Credit Builder Account

Step 1
1

Sable loan

Sable adds money to your locked savings account every pay period

This is a small interest-free loan. You select the amount we add, as little as $10.

Step 2
2

You repay

You repay Sable for the savings we gave you in Step 1

Pay us back the next time you get paid. These payments help you build your credit!

Step 3
3

Access your savings

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.

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Our Plans

Start where you are.

We have plans tailored to meet you exactly where you are in your financial journey.

Credit Builder

Credit Builder

A simple way to boost your credit score and grow your savings at the same time.

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Building your credit history

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Saving money effortlessly

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Improving financial health

Dispute & Grow

Dispute & Grow

Sable finds errors on your report and will help you to send letters to fix them.

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Immediate financial needs

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Building positive payment history

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Growing a safety net

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The Facts

The system is broken, not you.

Millions of Americans struggle financially through no fault of their own. It's time to level the playing field.

65%

of Americans live paycheck to paycheck

59%

can't cover a $1,000 emergency¹

$7,321

average credit card debt

The reality is even worse:

100 million Americans carry medical debt⁸

48% of credit card holders carry balances monthly⁷

66.5% of bankruptcies are caused by medical bills⁹

42% have no emergency fund at all²

You deserve better than a system designed to keep you down.

Sable is here to help you break free.

What people are saying

Alex Johnson

Thanks to Sable, I saw my credit score jump 50 points in 3 months!

Maria Rodriguez

The easy-to-understand dashboard makes managing finances fun and simple.

David Lee

I never thought building savings could be so effortless—Sable makes it automatic!

Alex Johnson

Thanks to Sable, I saw my credit score jump 50 points in 3 months!

Maria Rodriguez

The easy-to-understand dashboard makes managing finances fun and simple.

David Lee

I never thought building savings could be so effortless—Sable makes it automatic!

The financial gains climb

Sable is the financial wellness app for
builders,
hustlers,
climbers,
achievers,
go-getters,
risers & you.

Sable Credit

Our Products

Credit Builder Plan

Dispute & Grow

One Bill Plan (coming soon)

©2019–2025, Sable. All Rights Reserved.

Banking services and some personal loans are provided by Sable's Banking Partners, Evolve Bank & Trust, Member FDIC and Cross River Bank, Member FDIC.

¹ CBS News, January 2025 - Most Americans can't afford a $1,000 emergency expense

² U.S. News Survey, January 2025 - 42% of Americans Don't Have an Emergency Fund

³ Bank of America, November 2024 - Nearly half of Americans live paycheck to paycheck

PYMNTS Intelligence Report, February 2025 - 2024 Paycheck-to-Paycheck Report

Bankrate Emergency Savings Survey, March 2025 - Bankrate's 2025 Emergency Savings Report

LendingTree, 2025 - 2025 Credit Card Debt Statistics

Bankrate Credit Card Debt Report, April 2025 - Bankrate's 2025 Credit Card Debt Report

Kaiser Family Foundation Poll, 2024 - 100 million people in America are saddled with medical debt

American Journal of Public Health Study - U.S. Medical Debt & Bankruptcies: Statistics & Analysis

¹⁰ Kaiser Family Foundation Analysis, February 2024 - The Burden of Medical Debt in the United States

Taking out a Sable plan 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.