Affordable and flexible
If you have little or no credit history or are struggling to improve your credit score, our Credit Builder Loan is designed with you in mind.
We offer small loans that help you build or rebuild your credit in a safe and manageable way. With simple requirements, including steady employment and a verified income, this loan could be your first step toward a brighter financial future.
The details:
- Loan amount: Up to $500 (exceptions may apply up to $1,000)
- Eligibility: Must be a member for at least 30 days, employed in your current job for 12 months or more, and have a minimum monthly income of $1,500
- Easier payments: Direct deposit is required; making regular payments helps improve your credit score.
- Opportunity to get a 2% interest rebate: To receive some money back quarterly, all you need to do is have at least $250 direct deposited into your Century account and make 10+ purchases with your Century Visa® debit card and/or credit card.
Credit Builder is more than just a loan — it's an opportunity to build a stronger credit foundation for future financial goals.
Other options we provide
Savings-secured loans
Lock in the lowest rates by using your savings account as collateral. By doing so, you can secure a loan at just 3% above the current dividend rate of your savings. Your deposit accounts will keep earning dividends even while you borrow, so you're growing your savings while accessing the funds you need for any purpose.
The details:
- Loan amount: Minimum is $250; maximum is your funds on deposit, which must stay on deposit until the loan is paid in full. Funds will be released as the loan balance declines.
- Loan term: Up to 60 months.
You can get a 2% quarterly loan interest rebate by receiving at least $250 in direct deposits to your Century account each month and making 10+ Visa debit card and/or credit purchases each month.
This is a smart way to make the most of your money and enjoy exceptional borrowing terms.
Savings-secured Visa credit card
If you are re-establishing adverse credit, you may be able to use money in your savings account as collateral to get a Visa credit card with a low credit limit through us.
You can get a 2% quarterly loan interest rebate by receiving at least $250 in direct deposits to your Century account each month and making 10+ Visa debit card and/or credit purchases each month.
After one year of perfect pay history on a share-secured Visa, we'll consider removing the savings pledge.
