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Credit Rebuilder


Returning Applicant?

Everybody can go through financial difficulties at some point in life that damage your credit rating. KeyPoint Credit Union helps you get back on your feet with our Credit Rebuilding program. We provide our members with partially secured loans and lines of credit when other California lenders refuse based on financial history. As an added bonus, you may be eligible for a rate reduction when you set up automatic payments from a KeyPoint checking or savings account.

  Credit Rebuilder Partial Secured Loans Credit Rebuilder Partial Secured Lines of Credit
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Amount You Can Borrow From $1,500 to $5,000 From $1,500 to $5,000
Minimum Monthly Payment Based on final loan amount, rate and term. Personal Line of Credit minimum payment is $25 or 2% of outstanding balance. Line of credit is subject to a $25 annual fee.
Annual Percentage Rates Rates as low as 15.49% APR* and terms up to 24 months**. (See disclosures below) Rates as low as 15.49% APR*** (See disclosures below)
Collateral *Collateral Requirement 75% of the loan amount secured in a KeyPoint savings account. Your loan also can be secured by a third party's savings account.

Start Rebuilding Your Credit Today

  1. Apply online for your Credit Rebuilder loan to help establish, rebuild or repair your credit or call (888) 255-3637 to apply over the phone.
  2. If approved, a loan representative will contact you to review rates, discounts, documents needed and schedule an appointment.
  3. Sign loan documents.
  4. Receive loan funds.

  • *Funds held as collateral in the KeyPoint Share account will be placed on hold and will not be available until the Credit Rebuilding Loan or Line is paid in full and closed. Third party required to sign pledging their KeyPoint shared account for collateral

    ** The fixed Annual Percentage Rate (APR) is a sample APR.  Rates Range from 15.49% to 15.74% and terms up to 24 months based on actual credit.  

    ***The Annual Percentage Rate (APR) is variable and is based on the Prime Rate as published in The Wall Street Journal Money Rates Table (the \"Index\") plus a margin.  Rates range from prime plus 12.49%.   The minimum monthly payment for a Credit Rebuilder Line of Credit is the greater of $25.00 or 2% of the outstanding principal balance of the credit line plus accrued interest and other fees and charges billed to the account during the monthly billing period.

    Credit Rebuilder line or loan rates may be reduced by a maximum total discount of .25% if you have automatic loan payment from a KeyPoint Credit Union checking or savings account.

    Payment Examples: Pay $48.82 per month per $1,000 borrowed at 15.49% APR for 24 months. Ask a KeyPoint Credit Union representative for a payment example on the loan type, amount and term you want.

    Rates are subject to change. Certain restrictions apply.