CreditBuilder Program
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Routing Number: 272485385
CreditBuilder Program. Low Credit. No Credit. No Judgement.

Ready to take control of your financial future? We can help you kickstart your journey to better credit with our CreditBuilder Program. Whether you have no credit or low credit, we’ve created this program to help build your financial confidence and credit score.  

How does the CreditBuilder Program work?

Phase 1: Let's lay the groundwork!

You'll receive a $500 loan during the first phase, though these funds will not be available immediately. Over the 6-month term, you'll make regular set payments to pay off the loan. After the 6 months, you'll have saved $500! These funds can be deposited into your account or rolled over into our Secured Credit Card to continue helping you build your credit. 

Phase 2: Strengthen your confidence!

In Phase 2, you'll work on a $1,000 loan with a 12-month term. You're taking a significant stride toward financial stability by tackling this longer-term loan. At the end of the second phase term, you'll have another $1,000 saved, 18 months of positive credit history, AND you'll receive a program completion bonus of $44! Again, these funds can be deposited into your account or rolled into our Secured Credit Card to continue your progress. 

Get the most out of the CreditBuilder Loan.


  • Set up automatic payments. This will make sure you're making all your payments on time. 
  • Keep an eye on your score in the 4FrontGo app or Online Banking for free with our SavvyMoney feature.


  • Don't pay off the loan early. Why? More on-time payments have a more significant impact on improving your credit score.
  • We recommend that you not try to make a large purchase or apply for a large loan while going through this program. Hard credit checks, large loans, over-extending your total credit, and other actions can negatively impact your credit. 


Benefits and more!

  • You're approved, no matter your credit history
  • No credit pull, so no harm to your credit score
  • Establish your credit to meet your lifestyle goals
  • Save $1,500 by the end of the program
  • After completion, level up and get a $44 bonus on us!

*Results are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments on this and other loans by the payment due date each month may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report. 6-month and 12-month loan with a $87 monthly payment. $44 bonus awarded after completion of both phases of the program. 

Ready to join? Let's get started.

Wherever you are on your financial journey, we make making smart and simple.

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