Approach callers or texters who claim to be 元素 with caution! — 了解更多


Allows you to establish a positive credit rating.

Call 1-800-621-2105 to Apply

信用建立者贷款 感兴趣 率  4月 
信用建立者贷款 5.00% 5.00%

利率 effective as of October 1, 2023, and subject to change without notice. Each individual's 年度百分比 率 (4月) is determined by the applicant's credit history. Not all applicants will qualify for our displayed lowest rates. Subject to credit approval.


Holds the amount borrowed in an account while you make payments, building credit


  • An initial step on the journey to build your credit
  • No credit qualification requirement
  • 6-12 month repayment term
  • Established with an original loan amount of $500-$1,000 made available for use at the end of the repayment period


  • You have little or no credit history and want to establish credit, allowing for possible future credit opportunities
  • You want to build savings and credit for use with a 担保nba官方正规买球网站

How does the 信用建立者贷款 work?


When you are approved for the loan, the amount you borrow is held in an interest-bearing 元素 savings account while you make payments. When your loan is fully repaid, you receive access to the funds.

Your loan payments are reported to credit bureaus while you have the loan. Your credit score is built from information in your credit reports, and having your payments reported helps build your credit as long as you make your payments on time.

Keeping up with payments on your 信用建立者贷款 is crucial.

When do I get the money I borrowed?

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You will receive your loan proceeds when the 信用建立者贷款 is paid in full. Until then they are held in an interest bearing savings account.

What are the fees for a 信用建立者贷款?

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There is no fees for the 信用建立者贷款, but you will pay interest on the money you borrow.

Why should I go to 元素 for my loan?

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更好的利率. 更少的费用.

Because we’re a credit union, we return profits to members in the form of reduced fees, higher savings rates and lower loan rates.

可信的建议. 新鲜的方法.

We pride ourselves in being a trusted source for financial education. Your financial wellness expert will come to your workplace to answer questions and provide you with one-on-one assistance as you navigate the changes that come with each of life's stages.

尊重当地. 在全球范围内访问.

Headquartered in 印第安纳波利斯 since 1930, we rank among the top 4% of credit unions nationally1. We serve members in all 50 states and 50+ countries. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

高科技. 人类接触.

Our technology makes banking with 元素 easy. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. We’re here for you with member service available 24/7 and live chat during the workday.


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  1. Start your application anytime by calling 1-800-621-2105. Have ready your government-issued ID (driver’s license, 状态标识, or passport) and your social security number.
  2. 接NBA买球的电话 We'll contact you within one business day after you submit your application to go over what documentation we'll need and to answer your questions.
  3. 就是这样! - We'll contact you with a decision within 10 business days. Once your loan is approved and finalized, you can get cash in your account in as little as one business day.

What Will My 贷款 支付 Be?

信用建立者贷款 Calculator


  1. 1 Based on asset size as of 12/31/2021