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CREDIT BUILDER LOANS

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Build Credit. Build Savings. Build Confidence.

If you’re looking to establish or rebuild your credit, our Credit Builder Loan is a smart, secure place to start. This unique loan helps you create positive credit history while saving money for your future, all with manageable monthly payments.

What Is a Credit Builder Loan?

A Credit Builder Loan is a share certificate–secured loan designed to help members build or improve their credit profile. Instead of receiving the loan funds upfront, the money is safely set aside in a Share Certificate while you repay the loan over time.

As you make on-time monthly payments, those payments are reported to the credit bureaus, helping you demonstrate responsible credit behavior.

How the Credit Builder Loan Works

  • We deposit $1,000 into a secured Share Certificate in your name
  • You make affordable monthly loan payments
  • Your payments are reported to the credit bureaus
  • Once the loan is paid in full, you receive the full $1,000 plus any interest earned on the certificate

It’s a simple, structured way to build credit while saving, without the risk of overspending.

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Who Is This Loan For?

This loan may be a great option if you:

  • Have little or no credit history
  • Are rebuilding credit after past challenges
  • Want a safe way to establish positive payment history
  • Prefer a structured, goal-oriented approach to credit building

No matter where you’re starting, this loan is designed to support your financial growth.

Benefits of Our Credit Builder Loan

  • Helps build or rebuild your credit score
  • Creates a consistent, positive payment history
  • Encourages saving while repaying the loan
  • Funds are secured, not spent
  • Simple terms with a clear financial outcome

A Smart First Step Toward Financial Wellness

  • Your credit score plays a key role in future financial opportunities, from auto loans to homeownership. Our
  • Credit Builder Loan is designed to help you move forward with confidence, knowledge, and support.

Simple loans. Honest guidance. Real support.

Apply Online or at our local branch!

Apply Now
1700 Robin Hood Road
Richmond, VA 23220

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If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 804-359-8754 for assistance. All products and services available on this website are available at all RVA Financial Federal Credit Union full-service locations.