Credit Builder Loan

Let us come to the rescue and help you rebuild your credit score. We all know that a low credit score can make your financial life a struggle. A low score affects your ability to borrow; it can make it impossible to secure a loan, difficult to buy a home or car, and can even negatively affect employment opportunities.

Where does your score stand?

Below 599…Very Poor

We look at a low credit score and see an opportunity to help. Altura Credit Union has created the Credit Builder Loan. It’s designed for people who need to rebuild credit scores that have dropped dramatically. It can also be used by people who have a decent score they want to make even better.

How it works:

The money you borrow is placed into a CD; we call them Share Certificates. You make easy monthly payments and once the loan is paid off, you will have access to the cash. Even with a low score you can:
• Be approved quickly!
• Borrow up to $3,000.
• Get a very competitive rate.

If you are struggling with a low credit score, this can be a step toward rebuilding. It’s simple, smart and part of Altura’s credit recovery products. You’ll see more listed below. Talk to a Member Representative at any branch, go online or call us. We’re ready when you are.

Apply Online

Apply online for your auto loan. A $55 loan processing fee is required at the time of funding and can be added to your loan amount.


All loans are subject to credit approval. Membership eligibility required. A $55 processing fee will apply. Rate will be based on criteria such as credit score, credit history and payment method. All rates are subject to change without notice. Other restrictions may apply. For fees and complete account details, view the Schedule of Fees and Credit Builder Share Certificate Disclosure.