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Credit Builder Loan


And sometimes that means your credit score might need a little help.

We want to get you on the road to financial success and our credit-building loan is one of the best ways to build credit... and save.

Credit Builder is a loan designed to help those with no credit or colorful credit. The program focuses on building or rebuilding your credit score while helping you develop good savings habits.

Apply for a Credit Builder Loan


Here's how it works...

  • We give you a loan and deposit the funds in an SCE FCU Savings account in your name, where it earns dividends
  • You make on-time monthly payments based on simple terms we both agree upon
  • As you repay, we report your good payment history to the credit bureaus, which helps build your credit
  • A higher credit score can help you get lower rates on future loans, better terms on rental agreements, and more
  • As you make payments, the funds are made available to you – or you can leave the money in the account for whatever you choose

This is an easy way to build your credit and also save.

Checking Savings - Everything



Together, we can make
your financial goals a reality.