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Credit Builder Loan

Establish your credit for a bright future.

Our Credit Builder Loan is a specific kind of Personal Loan that can help you improve your credit score and save money. With a low interest rate and an affordable payment, you can quickly be on your way to a higher credit score and more financial options.

Your credit history is an important tool that can save you money when you qualify for lower rates or get you access to the best products available. It can be used in many ways – including when you sign up for a cell phone plan, when you buy a car, and when you rent an apartment or buy a home.

Even if you’re not a member, you can still apply for a loan with Community Plus. Submit and application and our team will help you evaluate your options to choose the right loan for you and your financial goals.

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How the Credit Builder Loan is Different

Low interest rate - You don’t have to pay extra to build your credit. We offer one of our lowest rates with our Credit Builder Loan.

Simple lending process – It’s easy to get and manage your loan.

  1. Borrow an amount that you can afford to repay.
  2. We’ll keep it frozen in your savings account until the loan is repaid.
  3. After your last payment, all of the funds from the loan become available.

Take the next step – After your loan is paid, you not only have available funds, you also have an established credit history. You can then look at some of our other loans, like a Secured Credit Card, to continue building on your progress.


How to Apply

Submit your application at a branch or online. If you have any questions, you can also give us a call at (217) 893-8201

Apply Online


Request A Follow Up

Want a free consultation? Complete the form and a member of our lending team will follow up to answer any questions you may have.
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Other Personal Loan Options

In addition to our Credit Builder Loan, we also have a Secured Credit Card and more traditional Personal Loans. Ask us about the best option for you, or continue reading: