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Fast-Access Credit Builder Loans Now Available From $500–$5000*

Get the money you need now, earn high interest returns and build a stronger credit score

If you’ve ever thought about buying a new car, owning your own home, or simply want the power to borrow more, our new Credit Builder Loan is the ideal way to help you achieve those goals.

The Score on Credit

Credit scores affect every financial opportunity available to you. Mortgages, loans, insurance rates, even cell phone contracts are all impacted by credit scores. So if you want to be in the best possible position to finance your future, focus on building the best credit you can. In addition, good credit can help you get lower interest rates that will translate into lower monthly bills and greater savings.

A Loan With Benefits

Our Credit Builder Loan helps to build credit by placing the value of the loan in a secure account for the loan’s term. Once the loan has been paid off, the loan’s value is released to you – with interest AND a better credit score!

Making Dreams A Reality

Regular, on-time payments towards the Credit Builder Loan is what helps to improve your credit score. So simply having enough income to cover the timely payments may be all you need to get started. With our Credit Builder Loan, turning dreams into reality is probably much easier than you think!

Turning your dreams into reality is much easier than you think! To get started, speak with one of our Lending Specialists by calling (201) 659-3900, Ext. 4.


*Terms & Conditions apply. The credit score is not a factor for approval. Must be a current member in good standing for a minimum of 3 months. Sufficient payroll deduction or direct deposit to cover payment prior to disbursement. Member must be employed at current job for at least 6 months. Two (2) current paystubs are required. All qualified members are pre-approved (DTI excluding charge-offs and collections). Loan amounts of $500 to $5000. Credit report is required to obtain information for any delinquent accounts that may be paid to improve credit (at beginning). Review the report for opportunities to refi other debts such as car loans. Only 1 Credit Builder loan can be maintained at one time/member. After 6 months of payment, total funds that have been paid down may be released to payoff collection/charge off in credit report. $25 application fee paid at time of application. Up to 24 month term. 3.5% rate regardless of credit score because it’s a shared secured loan. All loan eligibility, financing terms and rates are determined by LSFCU and are based on the borrower’s credit worthiness. Terms are subject to change without notice.


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