Credit Rebuilder Loans

A stepping stone to better credit

Features & Benefits

Rates as low as 38.00% APR1

Terms up to 24 months
Automatic Payments
Required to Qualify
Direct Deposit
Required to Qualify

Build Credit

Build & improve your credit with straightforward solutions.
Direct Distribution
To Lenders & Collectors

Consolidating debts and paying past due accounts can help get you on track to better credit.

What is a Credit Rebuilder Loan?

A Credit Rebuilder Loan is an unsecured loan, which means you don't have to pledge any collateral when you apply.

What can I use a Credit Rebuilder Loan for?

When you're approved for a Credit Rebuilder Loan, your funds will be distributed directly to the lenders and collectors you instruct us to pay.

How does a Credit Rebuilder Loan help build credit?

A Credit Rebuilder helps members take control of their debt and begin building healthy credit habits. A Credit Rebuilder Loan can help by:

  • Consolidating Debt: It can be difficult to track multiple due dates from different lenders. A Credit Rebuilder Loan can be used to pay off some or all of your debts, meaning you'll have fewer payments to keep track of.
  • Paying Collections: An unpaid collection account can have a greater negative impact on your credit than a paid collection account. Using a Credit Rebuilder Loan to pay a collection account shows a good faith effort to correct your finances.

By organizing your debt and correcting negative marks on your credit reports, a Credit Rebuilder Loan can help you build better credit with full, on-time payments.

Rates, Terms & Payments

With rates as low as 38.00% APR1 and terms up to 24 months, you have options for finding the perfect monthly payment for your budget. Because Credit Rebuilder Loans are meant to help pay outstanding debt with lenders and collectors, cash-out is limited.

Term Months APR1 As Low As Payment Per $1,0004
Up to 2428.00%$54.92
Effective Date: August 18, 2022

Apply for a Credit Rebuilder Loan Today!

Member Story

"Prime succeeds where most banks fail with their great member service, minimal fees, excellent loan rates and their loan processing team."

Membership eligibility is required. Rate(s) effective as of date indicated by table.
1: APR=Annual Percentage Rate. Discounts applicable to new loans only and cannot be combined with other discounts or promotional offers. The above rate(s) are based upon a 700+ credit score, Loan-to-Value (LTV) of 80% or less, and are subject to change based upon borrower's credit history. Rates higher if refinancing existing Prime Financial Credit Union loan, and borrower must add $5,000 to loan balance.
2: Payment per $1,000 based on maximum term allowed for each stated rate.