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      Credit Builder Program

      Establish or repair your credit score the safe and easy way.

      Imagine a way to build your credit score while you build your savings. That’s exactly what our Credit Builder loan does for you.
      Apply Now
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      BECOME A MEMBER
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      How Does It Work?

      Strengthen your credit score

      Open a Credit Builder loan for the amount you want to borrow. We'll hold your loan funds and lock them in your savings account for you. You make 12 monthly payments to your Credit Builder loan and we'll report your payment history to the credit bureaus. Once your loan is paid off, the original loan amount you borrowed is unlocked in your savings account! It's that easy. You've now improved your credit history and saved money.
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      Open a Credit Builder Loan

      You set the loan amount and we lock the funds in your Savings
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      Make Monthly Payments Online

      We report your monthly payments to the credit bureaus which builds your credit score
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      Unlock Your Savings

      Once the loan is paid off, the money in your savings account is unlocked and yours to keep!

      No Fees, No Hassles

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      No Upfront Costs

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      No Monthly Program Fees

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      Low 6% APR*

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      No Upfront Costs

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      No Monthly Program Fees

      Low 6% APR*

      Credit Builder Loan FAQs

      How do Credit Scores Work?

      Wanting to learn more about what goes into your Credit Score? Watch this video, or search our "It's a Money Thing" financial wellness center.

      Disclosures

      *The Credit Builder loan has a term of 12 months and a minimum amount of $300. Fixed 6% annual percentage rate (APR). The loan amount is secured by the loan proceeds held in your savings account and becomes available to you when the loan is paid in full.