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Secured Advantage Starter Loans

Get up to $2,500 at a fixed 4.00% APR, make your payments, and watch your credit score climb.*

Credit building that treats you right.

Buckle Up for Better Financing

We Front the Cash

Get between
$500 to $2,500

Prove You’ve Got This

Make On-Time
Payments

We Report it

Your score
moves north

Payday

Unlock your stash

With hidden fees and interest rates over 25%, credit cards make it easier to build debt rather than improve your credit score.†

At a fixed 4.00% APR, the Starter Loan helps you build your credit and your savings without an extra steep price tag.

So, instead of swipe now, cry later, get a Starter Loan.

When the dust settles, you’ll have given your credit a boost and your savings a much-needed kickstart.

And, you can use the payout from your Starter Loan as you see fit: make the downpayment on a car, bankroll a vacation, cover moving expenses, or hold onto it for when life happens.

Ready to grow your savings while taking your credit to the next level?

Optional Service Plans & Warranty Options

Cars are great – until they’re not. That’s why we offer optional service plans and warranty options that cover more than just the basics. Whether it’s a new car or a used one, we’ve got the right plan for you.

GAP Insurance

If your car is totaled, this can spare your wallet.

Mechanical Repair

Get back on the road without breaking the bank.

How It Works:

You can borrow between $500 and $2,000 with a term of 6 to 12 months at just 4% APR. The loan amount goes straight into a savings account, but it’s held as collateral until the loan is fully paid off. As you make each monthly payment on time, we report it to the credit bureaus. Once you’ve paid off the loan, you’ll unlock access to the full amount.

Your payment history is one of the most important factors in your credit score. With this loan, we pre-fund the amount, and you make on-time payments over 6-12 months. Each on-time payment gets reported to the credit bureaus, giving your credit score the boost it needs.

Yes, you can pay it off early. But keep in mind, making fewer monthly payments might mean fewer chances to build your credit history over time. It’s all about maximizing those on-time payments to strengthen your score.

The funds from your loan are held in your savings account as collateral for the loan. Once you have successfully repaid the loan in full, the funds are released to you!

Explore Other Options

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Adventures

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*APR=Annual Percentage Rate. Starter Loans range from $500 to $2,500. Term is based on actual loan amount, not to exceed 12 months. Approval for Starter Loan does not guarantee future lending. Improved credit score is not guaranteed. Credit score is determined by credit reporting agencies based on multiple factors, but satisfactory performance on a loan product can improve your credit score. Default on a loan, including missed or late payments, can damage your credit score. †The average credit card interest rate is 27.80% APR as reported by Forbes Advisor on 09/13/24. Additional criteria may apply. See credit union for details. Federally insured by NCUA.