
Credit Builder Loan
Elevate your credit score
Looking to build or repair your credit? Our Credit Builder loan offers an easy, affordable, and effective way to boost your credit score. With flexible terms and monthly payments as low as $10, this loan is tailored to meet your credit-building needs. Funds are secured and placed in your savings account upon full repayment.
Your Path to Better Credit
Take the first step towards a stronger financial future with Credit Pathways. Learn how to improve your credit score and achieve your financial goals.
Credit Builder Loan Rates
If you have reported losses on your current credit report or any loans that are currently delinquent, it’s highly recommended that you pay off any owed balances and/or bring any active loans current before applying for a credit builder loan. Point West’s member service team can work with you to identify any areas of concern and work with you to address them to ensure your credit builder loan can be successful. We also offer comprehensive credit tools and counseling via our partner Credit Pathways. Click here to see if Credit Pathways can help you.
Term |
Loan Amount |
Rate |
Application Fee |
Monthly Payment |
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*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. The application fee is due at the time of application. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. |
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Term 6 months |
Loan Amount $60.00 |
Rate 0.00% |
Application Fee $5.00 |
Monthly Payment $10.00 |
Term 12 months |
Loan Amount $120.00 |
Rate 0.00% |
Application Fee $10.00 |
Monthly Payment $10.00 |
Term 18 months |
Loan Amount $180.00 |
Rate 0.00% |
Application Fee $15.00 |
Monthly Payment $10.00 |
Term 24 months |
Loan Amount $240.00 |
Rate 0.00% |
Application Fee $20.00 |
Monthly Payment $10.00 |
Term 36 months |
Loan Amount $360.00 |
Rate 0.00% |
Application Fee $45.00 |
Monthly Payment $10.00 |