Credit-Rebuilder
Credit Rebuilder
KeyPoint helps you get back on your feet with our Credit Rebuilder program.
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Credit Rebuilder


Returning Applicant?

Anyone can go through financial difficulties that may damage your credit rating. KeyPoint helps you get back on your feet with our Credit Rebuilder program. We provide our members with secured loans when other California lenders won't help. 

  Credit Rebuilder Secured Loans
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Amount You Can Borrow Up to $2,500.00
Minimum Monthly Payment Based on final loan amount, rate and term.
Annual Percentage Rate

• As low as 2.49% for term 24 to 60 months

• As low as 2.99% for term 72 months 
Collateral *Collateral requirement is 100% of the loan amount secured in a KeyPoint savings account. Your loan can also be secured by another person's savings account.

Start Rebuilding Your Credit Today

  1. Apply online for your Credit Rebuilder loan to help establish, rebuild or repair your credit or call (877) 552-3004 to apply over the phone.
  2. If approved, a loan representative will contact you to review rates, discounts, the documents needed, and schedule an appointment.
  3. Sign loan documents.
  4. Receive loan funds.

*Funds held as collateral in a KeyPoint Share account will be placed on hold. A third party will be required to sign a pledge for their KeyPoint share account to be held for collateral.

Payment Examples:  Pay $42.76 per month per $1,000 borrowed at 2.49% APR for 24 months.

Rates accurate as of 11/14/2019 and subject to change. Certain restrictions apply. QuickStart Savings account and IRA accounts are not eligible.