Credit Rebuilder

Anyone can experience financial difficulties that result in a low credit rating. KeyPoint can help you rebuild your credit with this special program that provides Members with a loan or line of credit secured by a KeyPoint Savings Account.

As you repay the loan or line of credit, your on-time payments are reported to the credit reporting agencies, helping you rebuild your credit score over time.

  Credit Rebuilder Secured Loan
Amount You Can Borrow $1,500 to $5,000
Minimum Monthly Payment Based on final loan amount, rate and term
Annual Percentage Rate Rates as low as 16.74% APR* and terms up to 24 months**. (See disclosures below)

*100% of the loan amount secured in a KeyPoint savings account

Your loan can also be secured by another person's savings account


*Funds held as collateral in a KeyPoint Share account will be placed on hold and will not be available until the Credit Rebuilder Loan or Line is paid in full and closed. A third party will be required to sign a pledge for their KeyPoint share account to be held for collateral.

**The fixed Annual Percentage Rate (APR) is 16.74%, with terms up to 24 months based on actual credit. 

***The Annual Percentage Rate (APR) is variable and is based on the Prime Rate as published in The Wall Street Journal Money Rates Table (the \"Index\") plus a margin. Rates start at Prime plus 12.49%. The minimum monthly payment for a Credit Rebuilder Line of Credit is the greater of $25.00 or 2% of the outstanding principal balance of the credit line, plus accrued interest and other fees and charges billed to the account during the monthly billing period.

Payment Examples: $49.31 per month per $1,000 borrowed at 16.74% for 24 months. Ask a KeyPoint representative for a payment example on the loan type, amount and term you want.

Rates are subject to change. Certain restrictions apply.

Start Rebuilding Your Credit –– Apply Today

  • Apply online for your Credit Rebuilder loan or call (877) 552-3004
  • When you’re approved, we will contact you to review rates, discounts and documents required
  • Sign loan documents and receive your funds
  • As your on-time payments are reported to the credit reporting agencies, you can rebuild your credit rating