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Credit Builder Loan
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Establish or Rebuild a Good Credit Score

At TCT, our purpose is to serve, guide and support our members on their financial journey. Our Credit Builder / Rebuilder Loans are designed to help members who may not qualify for another type of loan due to insufficient credit, or a low credit score.

Why get a TCT Credit Builder Loan?

A TCT Credit Builder Loan can be a great way to show lenders that you can pay down a small loan responsibly. The better credit score that results can open doors for larger opportunities.

How does a TCT Credit Builder Loan work?

Loan amounts of $500 — $1,000 will be deposited by TCT into a specially designated Savings Account and will be reserved in the member’s name as collateral. The loan is then repaid on a monthly, bi-weekly, or weekly basis over time, up to 24 months. The funds become available as the loan balance is reduced.

No money down is required from the member.

After about 6 months of timely payments, the member will get a FICO score if they did not have one previously. For best results, the member must make timely payments on any other outstanding debts that are reported to credit bureaus.



Ask about a Credit Builder Loan
Completion of this information request form does not constitute a loan application.
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Peace of Mind Checking

"We cannot say enough good things about TCT and the ease of doing business. Everyone is always happy to help and willing to go the extra mile to resolve any issues. The TCT Staff is great at reaching out to us just to make sure all is well. Great customer service goes a long way. Thank You TCT!"
—Cambridge Youth Cheer


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