Credit Builder Loan

Build your credit and your savings
It’s your Advantage

Your Future is in Good Hands

Whether you want to overcome bad credit or have no credit at all, we’ll work with you to build your score and help establish a great history that will empower your future.

Why Choose a 1st Advantage Credit Builder Loan?

Unlike a typical loan, instead of receiving the loan amount within a few days you’ll make monthly payments toward the loan account to pay the amount you’ve been approved for.

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Save Money

We’ll place your payments in an NCUA-Insured Certificate until your full loan amount is reached. This is a great way to help build an emergency fund, or save for another financial goal down the line.

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Build Credit

1st Advantage reports on-time payments to the three major consumer credit bureaus, Equifax, Experian and TransUnion.

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Simple Process

We make the process easy with a simple online application and quick closing!


Explore our blog for more resources on how to build your credit and be financially well.

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How Much to Save for Retirement

Start planning for retirement now. Save early and save often, no matter how much you earn.
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Apply for a Credit Builder Loan Today

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*Credit Builder Loan rate is CD rate plus 6%. Loan amounts between $500 to $1,000. The proceeds of the loan will be the funds used to create the CD. Member account must be in good standing for the last 90 days in order to qualify for loan. Good standing is defined as no returned items and proper use of overdraft facilities. The term of the loan must range from 6 to 12 months. Auto-pay required.