Why Cheers?

Fast and Powerful

Cheers is designed to maximize your credit building with minimal effort.

No Hidden Fees

Cheers has no admin or monthly fees, just a minimal APR.

Bank Level Security

Cheers is a financial technology company and not a bank. Banking services are provided by Sunrise Banks N.A. Your funds are FDIC insured up to $250,000 through Sunrise Banks, N.A., Member FDIC.

We report to all three credit bureaus.

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Why Cheers?

Fast and Powerful

Cheers is designed to maximize your credit building with minimal effort.

No Hidden Fees

Cheers has no admin or monthly fees, just a minimal APR.

Bank Level Security

Cheers is a financial technology company and not a bank. Banking services are provided by Sunrise Banks N.A. Your funds are FDIC insured up to $250,000 through Sunrise Banks, N.A., Member FDIC.

We report to all three credit bureaus.

© 2025 Cheers Financial Inc. All rights reserved. See Privacy Policy.

Cheers is a financial technology company and not a bank. Banking services are provided by Sunrise Banks N.A. Your funds are FDIC insured up to $250,000 through Sunrise Banks, N.A., Member FDIC.