Credit Builder Loan
Advia’s Credit Builder Loan is designed to help you establish or rebuild your credit while saving money at the same time. Your loan funds are placed in a secured savings account, and you make small monthly payments that are reported to the credit bureaus, helping you build positive credit history.
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What is a Credit Builder Loan?
A Credit Builder Loan is a simple way to build or rebuild your credit while also growing your savings, typically over 12–24 month terms.
- Your loan funds are held in a secured savings account
- You make manageable monthly payments reported to the credit bureaus
- Once the loan is paid off, the savings are released to you
- Example: If you borrow $1,000 for 12 months, you make monthly payments and receive the full amount back at the end
Why Get a Credit Builder Loan?
A Credit Builder Loan is designed to help you strengthen your financial foundation in a simple, low‑risk way.
- Build or rebuild your credit history through reported monthly payments
- Grow your savings while improving your credit
- Designed for first‑time borrowers or those rebuilding after financial challenges
- Predictable monthly payments help keep budgeting simple
- Low entry barriers make it easier to get started
How a Credit Builder Loan works.
Easy-to-understand steps to start building your credit.
Apply online
Your loan funds are placed in a locked savings account
Make small monthly payments reported to credit bureaus
After successful repayment, you receive the full savings balance
Estimate your Credit Builder Loan payment.
The loan calculator is an estimation tool to help the user understand what it may take to pay back a theoretical loan. Not all terms provided by or entered into the loan calculator may be offered by the Credit Union. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, collateral conditions, and other factors. The loan calculator estimates are not loan quotes. They may or may not be representative of your personal circumstances. The estimate is not a guarantee for a loan. Not all borrowers or loans will be eligible for the interest rates. Subject to credit approval.
Ready to start building or rebuilding your credit?
Take the next step toward your financial goals with a loan designed for your needs.
Have questions about a Credit Builder Loan?
Our team is here to help. Reach out today to get personalized guidance and answers.
Other restrictions may apply. All offers are subject to change at any time. All loans subject to credit approval.