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Credit Builder Loans Heading Image

Get Started!

Simplify the process with R1CU. Let us help you improve or establish your credit with an easy to manage Credit Builder loan.

or Call 800-375-3674

Here’s how our Credit Builder Loan works.

You pay the loan back on time, and you start on the path to improving your credit score. It’s that simple.

Request a Credit Builder Loan

Complete a short application to get approved for a Credit Builder Loan. You can apply online, in branch or by phone.

Get the Green

After approval, the funds are secured in a savings account until the loan term is complete. No money down. No crazy fees.

Stay on Track

All you have to do is make monthly, on-time payments, and Credit Builder loan reports your success to the credit bureaus.

Focus Forward

At the end of the term, if you’ve made all your payments, you get the funds from your secure savings account. (And the higher credit score.) No strings attached.

Credit Score Page

Great credit leads to great things.

  1. Better chance for credit card and loan approval
  2. Potential for lower interest rates on credit cards and loans
  3. Easier approval for rental houses and apartments
  4. Better car insurance rates
  5. No security deposits on cell phone contracts
  6. Lower to no security deposits on utilities

Top 10 causes of bad credit.

  1. Late payments (On anything. Student loan, car loan, credit card, you name it.)
  2. Not paying at all
  3. Having an account “charged off”
  4. Having an account sent to collections
  5. Defaulting on a loan
  6. Filing for bankruptcy
  7. Foreclosing on a home
  8. Getting a judgment
  9. High credit card balances (relative to your credit limit)
  10. Maxed out credit cards


Ready to Get Started?

Apply Online

Use our convenient online application process to get started right away.

Apply By Phone

Questions? Call us any time to speak with a loan officer.


Apply in Person

Visit any of our convenient locations to start the process to your new loan.

Credit Builder Loans
APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. Offer applies to consumer loans and does not qualify commercial or loans. All loans subject to approval. Restrictions may apply; see credit union for details.

  • Improvement in credit score is dependent on multiple factors specific to your situation and financial behavior. For example, late payments on utility bills, car loans or credit card accounts would negatively influence your credit score, even if your payments on a Credit Builder Loan are current.
  • Failure to make required monthly minimum payments by the payment due date for the Credit Builder Loan will result in negative reporting to the credit bureau and will not improve your credit score.
  • This product will not repair your credit, and negative credit history will not be removed from your credit report as a result of this program.
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© 2020 Resource One Credit Union. All rights reserved.

Resource One Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical braches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 800-375-3674 so that we may promptly assist you and remedy any accessibility concerns.