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Credit Builder Loans

A Low Credit Score Should Not End Your Financial Future

Break free from the challenges your current credit score causes with a Credit Builder Loan to help you build and repair your credit score.



Now you can stop feeling held back by your low credit score and build a brighter financial future for yourself with a loan designed to help you.


Low Rates

Focus on building your credit rather than accumulating higher debt, thanks to our low rates.

Electronic Payment Options

Easily pay off your balance with convenient online access to payment options.

Borrow up to $2,000

Enjoy greater flexibility with a loan up to $2,000, higher than other options for those building their credit.

No Prepayment Penalties

Sooner is better! Now you can pay back your debt faster without the fear of additional fees.

Flexible Terms

You can find a payment plan that fits into your budget, making credit building that much more convenient.

As low as


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Low Rates

Build a Healthy Credit History with our Low-Rate Loans

Take control of your financial future with low rates on Credit Builder Loans. With less interest you more easily pay off your debt, so you can better focus on building up good financial habits.

Flexible Terms

Stress Less About Due Dates That Overwhelm You

With our variety of flexible terms, you can choose the loan option that allows you to more affordably complete your monthly payments.

Why Choose Raiz?

Our financial experts are some of the best, but really our motivation is you. Here is what we are doing to today to reach a brighter tomorrow.


We work hard to make your money work for you. Reap the benefits of our innovative products and services that provide you with high dividend checking accounts, low interest on loans, and great rates on savings and retirement accounts.


Your money never sleeps, and neither do we. Raiz members have access to their digital banking 24/7 and online support chat to help with all your banking needs.


We don’t just want to help you manage your money, we want you to thrive! Raiz provides free, award-winning online courses that cover an array of topics for every stage of your life.

Start your financial journey today.

Rising up our community is what drives us forward. We dedicate our time, funds, and resources to organizations and initiatives that are committed to making a difference.

How It Works

Start securing your financial future by following the three steps to get and use a Credit Builder Loan.

  • 1

    Complete An Application

    Fill out an application online or visit one of our branch locations.

  • 2

    Get Approved

    We will review your applications and notify you of your approval status.

  • 3

    Start Building Your Credit

    Use the funds while making regular payments on your balance to improve your credit.

Apply online now

Have a question?

We’re happy to help you every step of the way!

Chat with us

Start live chat

Chat live with a team member who can quickly help answer your question.

Call us


Give us a call directly; we’re here to help you every step of the way.

Meet with us

Schedule an appointment

Schedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.

Credit Builder Loans

You Deserve the Best Financial Future Possible

With a Credit Builder Loan, you can take the necessary steps to improve your score and start enjoying all of its benefits.

  • 1

Start live chat!

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