Credit Builder is a bit like a business loan, only you receive your principal payments at the end of the term (see Is Credit Builder a loan? for more details);

1. Make 12 monthly payments made up of principal and interest to us, which we will report to Experian as loan payments
2. We collect the payments every month and lock the principal in a dedicated additional account. At the end of the 12 months, we will give you immediate access to the principal you paid and we keep the interest.