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Get on the road to a better credit score!

Need a loan but have little or subpar credit? No problem. Credit Builder Loans are here to help. This loan is specifically designed to help you build or repair credit to improve your credit score the smart way.

A good payment history is reflected in your credit score.

Carolina Trust knows that life happens and sometimes, we make financial mistakes. If you’ve been down a path where your credit score suffered, don’t worry. The Credit Builder Loan can help you rebuild it.

Here’s how it works:

The money you borrow is put into a Carolina Trust Share Savings Account and held as collateral. Then, you’ll make monthly payments. Once the loan is paid off, those funds are released to you. Think of it as delayed gratification to help build your credit score. We’ll report your on-time payment history to the credit bureaus, which can help improve your credit score.

The best part … the savings account continues to earn dividends while you are paying down the loan.

    • Low interest rate*
    • Borrow between $500 and $1,000
    • Terms from 6-12 months
    • Competitive dividends earned on your savings account

*Loan approval and approved Annual Percentage Rate subject to credit worthiness.

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