Credit Builder Loan

Redefine Your Financial Future

Heartland Credit Union is here to empower you with our Credit Builder Loan, designed to elevate your credit score. As an added bonus, your funds will be deposited into a savings account, earning dividends while securing your loan. This means you’re not just building credit, you’re also growing your emergency savings. It’s more than just a loan—it’s a pathway to financial success.

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Tailor Your Loan

Tailor Your Loan

Borrow between $500 and $3,000 and choose a repayment term that fits your budget. Flexible terms to help your payment fit your budget.

Transform Your Credit Score

Transform Your Credit Score

Make on-time payments to establish a positive credit history. We report your progress to TransUnion and Experian every month. 
Reap the Rewards

Reap the Rewards

At the end of the term, receive the full amount of the money used to secure the loan, plus your hard-earned dividends.
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Credit Builder Loan Features

  • Borrow between $500 and $3,000 
  • Flexible terms 
  • Reasonable, fixed rates 
  • Loan funds are secured in a savings account and earn dividends for the term of the loan 
  • As you make on-time payments, we’ll report your positive payment history to TransUnion and Experian credit bureaus 
  • When the loan is paid in full, you will have access to the funds and the dividends you earned 
  • Financial counseling available to help you improve your well-being and independence 
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All loans subject to credit approval. Membership required. Assumes an HCU Beyond Ultimate, Essential, or Freedom account with direct deposit or an HCU Visa Credit Card.  
 Heartland Credit Union does not guarantee the impact of a Credit Builder Loan on a borrower's credit score.  Failure to make timely loan payments may result in a negative impact.