Click here to enable the accessibility widget for this website (Can also be opened using the Alt+9 Key)
Lifestyle Access

Credit Builder Loans

Credit-builder loans are a great way for our members to establish credit age, as well as payment history - the most important credit-scoring factor. 

2 women atop a mountain

Credit Achiever Loan

Once approved for this loan, we'll hold the amount you borrow while you make payments. These funds won't be available to you until you pay off the loan in full. These loan payments are reported to all three credit bureaus and will help build your credit as long as you continue to make payments on time. Keeping up with payments on this type of loan is crucial because it shows that you can handle a credit account, and remember autopay is always an option. While you pay if off, you also increase you credit age, and another benefit to this type of loan is that, at the end of the loan's term, you'll have a reserve of funds that can act either as an emergency fund or go towards another savings goal. 



girl paying for salon appointment

Secured Visa Platinum Credit Card

A great option for members looking to develop healthy financial habits and build credit is our Secured Visa Platinum Credit Card. This requires a cash security deposit that will act as your credit limit (minimum of $500). Your regular usage and on time payments are reported to all three credit bureaus which will help you establish credit age and payment history. After a minimum of six months, you can ask to be evaluated for a regular credit card. If approved, you get your security deposit back!

mountain climber building credit

Share Secured Loan

Like the Secured Visa Platinum Credit Card, this loan is backed by a deposit that the member supplies. Over time, as you make on-time payments on this low-interest loan, Class Act reports these payments to all three credit bureaus, and your credit score will grow. 


Still Looking For Something?

Interest Rates

View Our Rates



View Our Locations

Find Us

Contact Us

Get in Touch 

Contact Us