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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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Routing # 251082495    |    NMLS#523374  |  Privacy Policy

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.

1 Rate effective as of 02/01/2026. Vehicle value is based on MSRP or by a source approved by us. Your APR is based on our internal credit criteria. Listed APRs assume excellent credit and include discounts. Members may be eligible for up to 2 of 3 available discounts (up to a 1% APR rate discount), which includes a 0.50% discount for an approved automated payment method, a .50% discount for a loan-to-value (LTV) that is 100% or less, and 0.50% discount for Loyalty for members who have had a loan with us within the last five years or membership history of 10+ years. Subject to credit and collateral approval. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts, and information about loans originated at dealerships that participate in our Preferred Dealer Network.

2 Rate effective as of 02/01/2026. Minimum and maximum loan amounts or credit limits apply. Your APR will be determined based on our internal credit criteria. Listed APRs assume excellent credit and include discounts. Members may be eligible for up to 2 available discounts (up to a 1% APR rate discount), which includes a 0.50% discount for an approved automated payment method, and a 0.50% discount for Loyalty for members who have had a loan with us within the last five years or membership history of 10+ years. Subject to credit approval. Minimum and maximum loan amounts apply. Ask us about other APR and longer term options. Please contact us for specific terms, rates, available discounts.

3 Standard APRs for purchases and balance transfers will apply and is subject to change. We will begin charging interest on balance transfers on the transaction dates. Earn 1% cash back up to $50 monthly, $600 annually on purchases. Cash back is redeemed to share savings at month end. 1% not earned on interest, fees, cash advances, balance transfers, and must be current. RVA Financial is not responsible for any charge owed to any creditor because a payment was not applied by a specific date. RVA Financial also reserves the right to decline any balance transfer request and may decline any that exceed the available credit limit. View our Card Agreement & Disclosure Statement for more information. Subject to credit approval. Minimum and maximum credit limits apply.