Need to Improve Your Credit? Let us help with Credit Builder.

If you have less than optimal credit history—or no credit history at all—we have a product that can help turn your situation around. The Credit Builder Loan from Credit Union of Southern California (CU SoCal) is specifically designed to help you.

Credit Builder is not about getting a lump sum of money all at once. Rather, its purpose is to prove that you are a responsible credit consumer. Your flawless payment history with Credit Builder will make it easier to get future credit if you have no history of borrowing, or help raise a low credit score that might be holding you back.

As you successfully make payments over the course of a year, CU SoCal reports your positive behavior to the nation’s major credit bureaus, establishing a credit history if you have never had one before. If you successfully make all of your payments for a year, you’ll receive $1,000 plus interest. If you have a low credit score that makes it difficult for you to get affordable new credit, successfully paying off your Credit Builder Loan will improve your credit score – as long as you maintain all other bills and do not fall behind on any other credit obligations you have. If you don’t have a credit history or score, Credit Builder will help you get one.

Why savvy consumers choose us to make it happen:

Loan is for $1,000 that is held in a deposit account
No credit inquiry is made
No loan application fee
12-month term

Whatever your plan is, make it happen with:

• Loan is for $1,000 that is held in a deposit account
• Available to Members in good standing
• 12-month term
• No application fee
• No credit inquiry is made
• Rate is our current 12-month certificate rate plus 5%
• Members can only have one Credit Builder Loan at a time

Apply today and get started improving or establishing your credit! Visit your local CU SoCal branch, call toll-free at 866.287.6225, or apply online.

We bank on character. Not just on credit scores.

Been turned down for an auto loan because of a low credit score? We listen to your story and look beyond your credit score today to build the right auto loan that will help you become financially stronger tomorrow. Learn more about our auto loan options.

Or maybe a simple checking account can help you get started on your plans. Even if you were not able to get a checking account previously, visit your local CU SoCal Branch or call us at 866.287.6225 to learn how we may help. 

Learn About Our Auto Loan Options

Building Better Lives

Credit Union of Southern California (CU SoCal) is a leading financial institution empowering those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County to reach their goals and build strong financial futures. CU SoCal provides access to convenient money management services and offers competitive rates and flexible terms on auto loans, mortgages, and VISA credit cards—turning wishing and waiting into achieving and doing.


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