How
Buff Works
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 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
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.