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The best Credit Builder Loan.

No Credit Check

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This $1,000 share secured loan offers an affordable interest rate so you’re not over paying to build your credit. Everyone receives the same rate no matter what their credit score is.
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No Down Payment Required

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Upon approval, the $1,000 loan is deposited into your savings account and then a hold is placed on the funds while you make monthly payments on it. Once the loan is paid in full, the $1,000 is yours to use as you like!
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Timely Payments Improve Credit

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Every timely payment helps improve your credit. Set up automatic payments so you never miss one.
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IT’S A PERSONAL LOAN

Build Credit With Each Payment

The Credit Builder Loan is a type of personal loan. Unlike other secured loans where you have to come up with your own money to borrow against, we will deposit the $1,000 to your savings and place a hold on it while you make payments over the 14 month term.

Once you've paid it off, it's yours to spend however you like.
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IT’S EASIER THAN YOU THINK

Building Credit Isn’t Hard, It Just Takes Time

Making your payments on time is the easiest way to help improve your credit. Be sure you’re budgeting thoughtfully so you make your payments first, and only spend what’s left over on things you’d like to have.

Check out our Resource Center for more budgeting tips!
RESOURCE CENTER
RESOURCE CENTER

Credit Builder Loan Rates

Since our Credit Builder Loan rate is not based on your credit score, it's a great option for those looking to establish or repair credit.
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*APR = Annual Percentage Rate. Approval subject to underwriting. This is a closed end consumer loan. A $49.00 application fee will be added to the loan. Membership at Allegiance Credit Union required.

Credit Builder Loan Rates
Loan Term
APR*
Loan Term
14 Months
APR*
9.99%
Effective September 18, 2023

*APR = Annual Percentage Rate. Approval subject to underwriting. This is a closed end consumer loan. A $49.00 application fee will be added to the loan. Membership at Allegiance Credit Union required.

SUCCESSFUL BUDGETING

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What this guide includes:

Free budgeting templates and expert tips.

Money-saving tips and templates to help you manage your monthly budget successfully.

  1. Why you need a budget
  2. Keeping track of your expenses
  3. Setting realistic savings goals 
  4. Ways to stretch your budget
  5. Growing emergency savings 
IT STARTS HERE

Improve Your Financial Future

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Build Credit
Every payment made on time helps build your credit history.
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Improve Your Credit Score
Improving your credit history helps improve your credit score.
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Get Better Rates
With an improved credit score you’ll get better rates in the future.
Repairing your credit is the first, and most important step in building a healthy financial future. Start in the right direction today, your future self will thank you!
APPLY NOW
woman besides vehicle smiling
Build Credit
Every payment made on time helps build your credit history.
man and woman holding hands sitting with their children
Improve Your Credit Score
Improving your credit history helps improve your credit score.
man using smartphone at desk with laptop
Get Better Rates
With an improved credit score you’ll get better rates in the future.

FAQ

Have more questions?

We are here to answer all of your questions. Let us know how we can help!

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Our Credit Builder Loan Rate is a flat 9.99% APR regardless of your credit score. Applicants must qualify for membership at Allegiance Credit Union.

Absolutely! However, we highly recommend that you make at least 6 payments before paying off your loan in order to benefit your credit score.

No, our Credit Builder Loan is a set amount of $1,000. If you are needing more than that, please visit our Personal Loans page. Our standard Personal (signature) Loans are subject to credit score approval. 

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Free Financial Calculators

Access our complete library of both loan and deposit calculators.

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