Build your credit and financial opportunities will come. Whether you’re starting out or starting over, this loan is where it all begins. Build your credit — and grow your savings in the process.
How It Works:

The Amount Borrowed is Deposited into a Northeast Savings Account.

You Make Regular Payments on the Loan.

As You Repay on Time, You Establish a Positive Payment History, Improving Your Credit.
Features Built for Better Credit

Loan Amounts from $500 to $2,000
How much do you want to earn? Choose your loan amount — once the borrowed sum is paid off, it becomes your own hard-earned money.

Terms from 12 to 24 Months
Improve your score at your own pace. Whether you want to complete your loan at 1 year or take your time, our terms are flexible.

Earn Dividends
As you build your credit, do the same with your savings — earn interest on the borrowed balance placed in your account.

Fixed 6.99% Annual Percentage Rate (APR)
Making payments on time is simpler with a fixed rate. Know exactly how much you’ll need to pay each month.
Take the First Step Toward Better Credit
You’re just a click or call away. Speak with a Member Experience Specialist at888-436-1847
Credit Builder Loan FAQs
Yes. Collateral funds do not have to be provided up front however, the loan proceeds are used to secure the loan.
100% of the original loan amount will remain on hold for the life of the loan. Loan proceeds on hold will be made available to the member upon payoff completion.
Funds will remain on hold until the loan is paid in full. Once the loan is paid off you will receive funds.
The loan rate is 6.99% fixed.
Yes. Relationship discounts are available for the Credit Builder loan.
Yes. Debt Protection coverage is available.
The Credit Builder loan is available in amounts from $500-$2,000.
The Credit Builder loan is available in terms from 12-24 months.
The Credit Builder loan is designed to assist members who have no credit or have had past credit issues. Past credit issues should not prevent members from applying for the Credit Builder loan.
Loan proceeds will be transferred to member’s general share within 14 days of loan payoff.
No. Funds must be held in the same membership as the loan.
Yes. Your loan documents can be sent to you electronically via DocuSign if you choose.