Credit Builder Loan
The best Credit Builder Loan.
No Credit Check
LEARN MORE +No Down Payment Required
LEARN MORE +Timely Payments Improve Credit
LEARN MORE +![Man looking at credit score after getting a credit builder loan](https://www.allegiancecu.org/hs-fs/hubfs/Resource%20Cards%20Images/Looking%20to%20Refinance%20Your%20Car%20Loan_%20-%20Heres%20What%20You%20Need%20to%20Know.jpg?width=768&height=768&name=Looking%20to%20Refinance%20Your%20Car%20Loan_%20-%20Heres%20What%20You%20Need%20to%20Know.jpg)
IT’S A PERSONAL LOAN
Build Credit With Each Payment
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
Check out our Resource Center for more budgeting tips!
Credit Builder Loan Rates
*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.
*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.
IT STARTS HERE
Improve Your Financial Future
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![man and woman holding hands sitting with their children](https://f.hubspotusercontent00.net/hub/6272057/hubfs/VISA%20Debit%20Card%20Page%20Images/Credit%20Builder%20Loans%20Page%20Images/man%20and%20woman%20holding%20hands%20sitting%20with%20their%20children.jpg?width=124&height=124&name=man%20and%20woman%20holding%20hands%20sitting%20with%20their%20children.jpg)
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FAQ
We are here to answer all of your questions. Let us know how we can help!
- What is the interest rate on a Credit Builder Loan?
-
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.
- Can I pay my loan off early?
- Absolutely! However, we highly recommend that you make at least 6 payments before paying off your loan in order to benefit your credit score.
- Can I borrow more than $1,000?
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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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Access our complete library of both loan and deposit calculators.