Préstamo generador de crédito
Build Credit. Grow Savings.
A Credit Builder Loan helps you build or improve your credit safely. Your loan amount is held in a savings account while you make small, predictable monthly payments. On-time payments are reported to credit bureaus, and as you pay, the pledged funds decrease, giving you access to your money while your savings grow. No revolving debt, less risk than a credit card, and a simple, disciplined way to strengthen credit and build financial confidence.
Generador de crédito
Looking to build or rebuild your credit? This loan gives you a simple, low-risk way to establish credit history and demonstrate consistent, on-time payments.
Así funciona
A Credit Builder Loan is designed to help people build or improve their credit score by demA Credit Builder Loan is designed to help people build or improve their credit score by demonstrating responsible borrowing, rather than providing funds upfront like a traditional loan.
Apply: Take out a small loan with Resource One Credit Union.
Pay & Build Credit: Make simple, fixed monthly payments that are reported to the credit bureaus, helping you build a positive credit history.
Access Your Money: Each payment reduces the amount held in your savings account, giving you access to your funds as you go.
In plain terms:
Think of it as borrowing money you’ve already set aside. Make your monthly payments, build your credit, and gradually unlock your savings, all while showing you can manage credit responsibly.
Solicitar hoy
¿Le interesa saber más o está listo para empezar?
Reúnase con un especialista por videoconferencia, llamando al 800-375-3674 o visitando una sucursal.
Ways Members Use This Loan:
Ventajas:
Generador de ahorro
It’s never too late to build strong savings habits. The Savings Builder Loan helps you commit to saving while simultaneously strengthening your credit and establishing a positive payment history.
Así funciona
Build Credit and Save at the Same Time
A Savings Builder Loan helps you build or improve your credit safely. Instead of receiving the money upfront, your loan is held in a savings account while you make small, fixed monthly payments. Each payment is reported to the credit bureaus, helping you establish a positive credit history. As you make payments, you gradually gain access to the funds in your account. It’s a simple, secure way to build credit, save money, and strengthen your financial confidence.
Solicitar hoy
¿Le interesa saber más o está listo para empezar?
Reúnase con un especialista por videoconferencia, llamando al 800-375-3674 o visitando una sucursal.
Ways Members Use This Loan:
Ventajas:
Tipos de préstamo
| abr |
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| desde 12,99% TAE |
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APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of January 18, 2026. Rates are subject to change without notice. |
Construyamos juntos
Rellene una breve solicitud para obtener la aprobación de un préstamo Credit Builder. Puede solicitarlo en línea, en la sucursal o por teléfono.
Una vez aprobados, los fondos se depositan en una cuenta de ahorros hasta que finalice el plazo del préstamo, sin desembolso inicial.
Todo lo que tienes que hacer es hacer pagos mensuales, a tiempo, y el préstamo Credit Builder informa de su éxito a las agencias de crédito.
Al final del plazo, recibirás los fondos de tu cuenta de ahorro segura si has efectuado todos los pagos. (Y la puntuación de crédito más alta.) Sin condiciones
Great credit opens doors:
- Easier approvals – Qualify for credit cards, loans, and rentals with confidence.
- Lower interest rates – Pay less on credit cards, personal loans, and mortgages.
- Better car insurance rates – Your credit can save you money on premiums.
- Skip deposits on phones – No need for extra security on your cell phone plan.
- Save on utilities – Lower or skip security deposits on gas, electric, and water.
- Access to higher credit limits – Gives you more flexibility when you need it.
- Stronger rental applications – Landlords view good credit as reliable.
- Better financing options for cars – Easier approval and lower interest when buying or leasing.
- Peace of mind – Being financially responsible opens doors and reduces stress.
- More opportunities for the future – Great credit sets you up for big milestones, like buying a home or starting a business.
Reúnase con un especialista por videoconferencia, llamando al 800-375-3674 o visitando una sucursal.
Top 10 ways credit can take a hit:
- Late payments – On credit cards, car loans, student loans, or any bills.
- Missing payments – Not paying at all can quickly damage credit.
- Charged-off accounts – When a lender writes off your debt as uncollectible.
- Collections – Accounts sent to collections hurt your score.
- Loan defaults – Failing to pay a loan as agreed.
- Bankruptcy – Legal protection from debts can impact credit for years.
- Foreclosure – Losing a home due to unpaid mortgage.
- Judgments – Legal rulings requiring payment.
- High credit utilization – Carrying balances close to your credit limit.
- Maxed-out cards – Using your entire available credit limit.
Reúnase con un especialista por videoconferencia, llamando al 800-375-3674 o visitando una sucursal.
SIN DINERO DE ENTRADA. NO HAY RAZÓN PARA NO EMPEZAR. HABLEMOS HOY.
¿Listo para empezar?
Solicitar en línea
Utilice nuestro sencillo proceso de solicitud en línea para empezar ahora mismo.
Solicitar en persona
Visite cualquiera de nuestras oficinas para iniciar el proceso de su nuevo préstamo.
Sucursal virtual
Listo para solicitar ahora, reúnase con nuestro personal de la sucursal virtual a través de videochat.
Préstamos Credit Builder
TAE=Tasa Anual Equivalente. Los tipos, términos y condiciones están sujetos a cambios y pueden variar en función de la solvencia, las cualificaciones y las condiciones de la garantía. La oferta se aplica a préstamos al consumo y no es válida para préstamos comerciales. Todos los préstamos están sujetos a aprobación. Pueden aplicarse restricciones; consulte a la cooperativa de crédito para obtener más detalles.
La mejora de la puntuación crediticia depende de múltiples factores específicos de su situación y comportamiento financiero. Por ejemplo, los pagos atrasados de facturas de servicios públicos, préstamos de automóviles o cuentas de tarjetas de crédito influirían negativamente en su puntuación de crédito, incluso si sus pagos en un Préstamo Generador de Crédito están al día.
El incumplimiento de los pagos mínimos mensuales requeridos en la fecha de vencimiento de pago para el Préstamo Generador de Crédito dará lugar a informes negativos a la oficina de crédito y no mejorará su puntuación de crédito.
Este producto no reparará su crédito, y el historial de crédito negativo no se eliminará de su informe de crédito como resultado de este programa.
