Chime Credit Builder Secured Visa
Best No-Fee OptionChime
4.4
0.00%–0.00% APR$0–$10,000Fee: No fees; no interestMin credit: 0+
APR Range
0.00%–0.00%
Loan Amount
$0–$10,000
Term
1–24 mo
Origination Fee
No fees; no interest
Our take
The simplest and lowest-risk credit builder available — no APR, no fees, no minimum deposit, and no hard credit check. You move money from your Chime checking to the secured account and spend against that balance. Requires a Chime checking account with qualifying direct deposit. Best for someone who wants zero cost and zero risk.
Is this right for you?
Sign up (free) and we'll tell you if this loan fits your specific budget and goals.
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Full details
| Minimum loan amount | $0 |
| Maximum loan amount | $10,000 |
| Lowest APR | 0.00% |
| Highest APR | 0.00% |
| Shortest term | 1 months |
| Longest term | 24 months |
| Origination fee | No fees; no interest |
| Minimum credit score | 0+ |
| Funding speed | Immediate secured card access |
Frequently asked questions
What is the APR range for Chime Credit Builder Secured Visa?
Chime Credit Builder Secured Visa offers APR from 0.00% to 0.00%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with Chime Credit Builder Secured Visa?
Loan amounts range from $0 to $10,000. The amount you qualify for depends on your income, credit score, and existing debt.
Does Chime Credit Builder Secured Visa charge an origination fee?
Yes, Chime Credit Builder Secured Visa charges an origination fee of No fees; no interest. This is deducted from your loan proceeds before disbursement.
How fast can I get funded with Chime Credit Builder Secured Visa?
Chime Credit Builder Secured Visa typically funds loans within Immediate secured card access. Actual funding time may vary based on verification requirements and your bank.
Is Chime Credit Builder Secured Visa worth it?
The simplest and lowest-risk credit builder available — no APR, no fees, no minimum deposit, and no hard credit check. You move money from your Chime checking to the secured account and spend against that balance. Requires a Chime checking account with qualifying direct deposit. Best for someone who wants zero cost and zero risk.
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Verified Mar 2026
Chime Credit Builder Secured Visa