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The best Credit Builder Loan.

Low Interest Rate

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This savings secured loan offers a low interest rate so you’re not over paying to build your credit.
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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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Borrow Up To 100% Of Your Savings

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You’re able to borrow up to 100% of the balance of the savings account securing the loan!
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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
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IT’S A PERSONAL LOAN

Buy Something You Need And Build Credit

The Credit Builder Loan is a type of personal loan. This means you can buy anything with it.

You should use this loan responsibly to buy only something you need, like an appliance, or lawnmower, and improve your credit while you repay it.
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Credit Builder Loan Rates

Credit Builder Loan rates vary. We’ll review your application and give you the lowest rate possible.
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*APR = Annual Percentage Rate. Approval subject to underwriting. This is a closed end consumer loan. Membership required.

Credit Builder Loan Rates
Loan Term
APR* (as low as)
APR* (as high as)
Loan Term
24-60 Months
APR* (as low as)
2.50%
APR* (as high as)
3.50%
Effective November 14, 2022

*APR = Annual Percentage Rate. Approval subject to underwriting. This is a closed end consumer loan. Membership required.

$${amount}/mo

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ESTIMATE YOUR LOAN PAYMENT

Credit Builder Loan Payments

Credit Builder Loan payments will vary based on the amount and term of the loan.

Check out our free eBook on budgeting. It’s full of great information about managing your money!

Budgeting eBook

We’ll work quickly to get your loan reviewed so you can get the things you need and start building your credit fast!

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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
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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.
SUCCESSFUL BUDGETING

Claim your FREE copy!
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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 
START TODAY

The Road To Better Credit Starts Here

The easiest way to start improving your credit is by making your payments on time. You can use the Credit Builder Loan to borrow against money you already have in savings, either a savings account or a CD, to start making monthly payments and building your credit back up.

Because the Credit Builder Loan is a type of personal loan, you can use it to purchase anything you need like a new appliance, lawn mower, or other household expense for example. Each on-time monthly payment benefits your credit.

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It can take some time to build and/or repair credit so you’ll want to get started soon. 

At Allegiance, we always stand by our fast, local decision making! Apply for a Credit Builder Loan today and we'll work quickly to get your loan reviewed and be in touch with you as soon as possible.

Don’t forget to check out our Resource Center for more information about loans and budgeting.

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FAQ

Have more questions?

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

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Funds must be located in an Allegiance CU account to secure your Credit Builder Loan.

Yes! You can use the funds in an Allegiance Credit Union CD to secure your Credit Builder Loan.

Rates vary based on term. See our current rates above. 

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Free Financial Calculators

Access our complete library of both loan and deposit calculators.

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