Buff Works

Get approved in minutes for a credit line of up to $1000

Here’s how to Buff up your credit while

improving your life with powerful products!

Apply for Buff Membership

Buy Buff Products

Make Low Monthly Payments

Buff Up Your Credit

Rinse and Repeat

Apply for Buff


Get instant approval in just a few minutes. 99% of people who apply are approved for a $1000 revolving credit line. We exist to help you build your credit while providing great content that will help you enhance your overall health and wealth. There is no credit check, and we do not charge annual, admin, or interest fees. There’s no catch, and there’s no fine print.

Buy Buff Products

Getting approved takes just a few short minutes! Then you can log in to the Buff private online store and start shopping with your $1000 credit line. Explore our ebooks and video courses. Every single one of them is focused on helping you improve your mind, body, and finances. We’ve worked hard to partner with content creators who will provide Buff members with top-notch information.

Make Low

Monthly Payment

Make payments for as little as $5 a month. The key to increasing your credit score? Always making your payments on time. At Buff, we make this simple by syncing your bank account directly to our payment system. You never miss a payment. It’s always on time.

Buff Up Your Credit

Each month, we report your on-time payments to the major credit bureaus. The longer you keep this up, the more you are rewarded by the bureaus for having a credit account open with a long-standing history of on-time payments.

Rinse and Repeat

After you’ve finished paying off a product over 6 or 12 months, you will have the option to keep your positive payment history going by simply purchasing another product. Credit bureaus love to see open credit accounts that are in good standing and which have a long history. We highly recommend you make another purchase!

Your Buff credit account has no expiration date, but purchasing additional products is the best way to keep your payment history going. Every product is focused on helping you build a better you, which means you’ll have a Buff mind, body, and wallet, too!

The Cost

We do not charge admin fees, interest fees or annual fees! No catch- no fees. The only cost you will have is the cost of purchasing a product from the Buff store. Let’s get you Buff!
More Questions? Read our FAQS.

Get approved in minutes for a credit line of up to $1000

Customer See an Average Credit Score Increase
of 65+ Points*