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

If you have a low credit score—or no credit history at all—our Credit Builder Loan can help you.
Three Important Things to Know About Credit Builder:

  1. You do not receive funds up front with Credit Builder. The Credit Builder Loan amount ($1,000) is not available until after you successfully make 12 consecutive monthly payments. After making payments for one year, you receive $1,000 cash.
  1. Your payments are reported each month to all three major credit bureaus. This process helps increase your credit score, as long as you make your Credit Builder payments on time and meet any other debt payments that you may have.
  1. If you do not have a credit history because you never before borrowed money from a financial institution, Credit Builder will help you establish history. By making 12 consecutive monthly payments, you will get your credit history off to a strong start, and you can build further from there.




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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​
  • Funds are available after 12 consecutive on time monthly payments
  • 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

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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.


562.698.8326 | 866 CU SoCal Se Habla Español