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Credit Builder Loans

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 Loans are designed to help members who may not qualify for another type of loan due to insufficient credit, or a low credit score. 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 a Credit Builder Loan Works:

  • Loan amounts of $500 — $1,000 will be deposited by TCT into a specially designated Savings Account and will be reserved in your 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
  • After about 6 months of on-time payments, you will get a FICO score if you did not have one previously. For best results, you must make on-time payments to any other outstanding debts that are reported to credit bureaus.


Credit Builder Loan
TermMinimum APR*Maximum APR
Up to 2 Year (24 month) 6.00% 6.00%
Minimum Loan Amount: $500 | Maximum Loan Amount: $1,000

*Annual Percentage Rate (APR) is for up to a 24-month term. A sample payment based on the disclosed rate of 6.00% APR for a 24-month term, the monthly principal and interest payment would be $44.33 per $1,000 financed. 




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Share Secured Visa Credit Card

If you're looking to improve your credit score or build your credit history, a TCT Share Secured Visa® can help. 



Ask about a Credit Builder Loan
Completion of this information request form does not constitute a loan application.
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Through our partnership, everyone who contacts GreenPath receives a free financial counseling session. Let’s make your financial goals happen, together.


Have Questions?

If you have additional questions, call us at 1-800-721-8288 or visit a TCT branch to meet with a Member Service Specialist. 

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