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Reduced Risk

Forget any stress, this loan makes building credit simple!

THE BEST CREDIT BUILDER LOAN

Let's improve your credit score one step at a time.


Build Credit • Establish Credit • Repair Credit

Apply Now

Start Your Credit Builder Loan Application Here

CREDIT BUILDER LOAN RATES

Enjoy interest rates that fit within your budget helping make our Credit Builder Loan the perfect next step toward building a positive credit history.

Rates as of October 4, 2024

Term APR1
Up to 36 months 5.00%

your path to stronger credit starts here

Credit Builder Loan Features & Benefits

Ready to take your credit score to new heights? Our Credit Builder Loans offer a hassle-free way to improve your credit and secure a brighter financial future.

Flexible Terms

Enjoy flexible terms ranging between 6 months - 3 years.

FAST CASH

Borrow between $500 - $5,000 and watch your credit score improve.

LIMITED RISK

Place your money in a Share Certificate and borrow that exact amount.

Credit Score Growth

Your successful payment history will be reported to the credit bureaus.
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calculate your payment

credit builder loan calculator

See how easily a Credit Builder Loan can fit into your financial plan with our Credit Builder Loan Calculator. Experiment with different loan sums, potential interest rates, and repayment periods to uncover the optimal monthly payment that aligns with your budget. Don't forget to email yourself the results!

Your actual term and payment will be provided upon acceptance of an AERO Financial Loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

BUILD YOUR IDEAL BUDGET

This free guide includes every budget you'll ever need.
Maximize your savings and take control of your financial future!

AERO Financial Every Budget Youll Ever Need Ebook

Start Saving Money Today

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knowledge is power

HOW DOES A CREDIT BUILDER LOAN WORK

Whether you're looking to establish credit for the first time or improve your current credit score, follow these steps to build your credit score without the stress:

  • STEP ONE: We give you a loan in the amount between $500-$5,000.
  • STEP TWO: The money you borrow is placed in a Share Certificate.
  • STEP THREE: Pay off your loan within the term of your certificate (between 6 months - 3 years), and the money you borrowed will be available to you.

Your successful payment history will be reported to the credit bureaus and should positively impact your credit score.

Apply Now
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let's make your credit goals a reality

QUESTION: WHAT IS A
GOOD CREDIT SCORE

The FICO® Score scale ranges from 300 to 850. A good credit score typically falls within the range of 670 to 739.

However, what's considered a good credit score can vary depending on the scoring model and each lender. As a federal credit union, AERO Financial uses an updated scoring model allowing us the opportunity to help our members achieve their financial goals.

Generally, higher credit scores indicate lower credit risk which means you may qualify for lower interest rates (saving you money) and higher credit limits (offering you more flexibility).

Apply Now

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What our members
are saying

"AERO is far better than any credit union or bank I have ever used! They work for you and get you all information you need. I have used them for numerous loans and have never had an issue getting one."

Patty E.

"The easiest process we have ever went through for a loan. Always quick to reply and on top of things. We closed very quickly! I will never go elsewhere for financial needs."

Tim K.

“We've been members for over 30 years, and every single time we've worked with them, they've been amazing. Great service, friendly staff, and super helpful with all things financial. We're so grateful!”

Katreena H.

YOUR CREDIT BUILDER LOAN QUESTIONS, ANSWERED

Can I Apply For A Credit Builder Loan If I Have Bad Credit?

Yes, Credit Builder Loans are often available to individuals with bad credit or no credit history. Since they are designed to help individuals establish or improve their credit, they may be more accessible than traditional loans for those with less than perfect credit scores.

How Much Can I Borrow?

You can borrow up anywhere from $500 - $5,000 with an AERO Financial Credit Builder Loan. 

How Do I Make My Monthly Payments?

You can make your Car Loan payment in a few different ways: