Looking to start your credit journey but not sure where to begin? Or are looking to rebuild your credit after a few mishaps? Our Credit Journey Loan can help you achieve healthy financial habits to build or rebuild credit history by making on-time payments.

Features

  • Build or rebuild your credit history
  • Become financially fit by making on-time payments that we report to the credit bureaus1
  • Terms available in 12, 24 or 36 months
  • Fixed rate loan at prime
  • Loan amount from $500 – $5,000
  • Loan funds are secured for the entirety of the loan term
  • Track your credit progress using our Secure Checking Account IDProtect benefits (maintenance fee waived while you loan is active)
  • Little to no credit history is needed to qualify

Apply Now!Rates

* Rates for this loan are based on Wall Street Journal Prime Rate. As of 12/18/2024, the prime rate is 7.50% as published in the Wall Street Journal. The loan is approved for individual credit only. To be eligible, applicant must have 4 tradelines or less with a FICO score of 679 or lower. Minimum loan amount of $500. Maximum loan amount of $5,000. Minimum monthly payment of $25.

Rates above are discounted 0.50% with an automatic debit of loan payments from a checking or savings account.

Loan proceeds will be secured In a Credit Journey Savings account for the term of loan. Deposit proceeds will be released upon payoff. Applicants may track their credit score with a Secure Checking with eStatements. The monthly maintenance fee will be waived during the term of the loan if a member chooses to open a Secure Checking. Loan approval subject to Naveo lending criteria and Naveo membership eligibility.

1 Naveo Credit Union does not guarantee credit score improvement. Many factors impact your credit score. Making on-time payments each month is the best way to build, or rebuild, your credit history.