Building or improving credit can feel impossible if you have little to no credit history or bad credit. That’s where the Fresh Start Credit Builder Loan from American 1 Credit Union comes in! Designed to help you on your journey to financial freedom. Take the first step toward a brighter financial future today. Requirements and restrictions apply.*
$1,000 for 18 months
Financial Coaching Plan
Online Banking and Savvy Money Opt-In
We're here to help you every step of the way.
APPLY FOR A Fresh Start Credit Builder LOAN
*Member must be in good standing with American 1 Credit Union at the time of application to qualify- not delinquent on any loan or having negative share balances. This product is not guaranteed to establish or improve your credit score. Negative credit history will not be removed from your credit report as a result of this program. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make minimum monthly payments on this and/or other loans by the due date each month may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. Applicants must meet all eligibility, underwriter, and program requirements- including valid completion of the Fresh Start Coaching Plan. Loan proceeds will be placed in a Fresh Start Savings Pledge Account; please note, withdrawals from the?Fresh Start Savings Pledge Account are not permitted while the Credit Builder Loan is outstanding. Total interest charged on the loan may be more than the total dividends paid on the Fresh Start Savings Pledge Account. Only one Credit Builder loan per program participant is allowed. Opt-In of Online Banking and Savvy Money required. Rates and terms subject to change.
