Starter & Credit Builder Loans are loans designed to help you begin building credit.


Starter Loan*

This is a $500 loan that you receive up front and pay off over a period of time.

  • Why choose a Starter Loan?
    • Upon verification of credit and employment funds will be available right away
    • You get the opportunity to establish a credit score as you pay the loan off
  • Something to consider- You must be careful with a starter loan as this loan puts your credit score and PCFCU at a higher risk if you do not make payments on time.
Credit Builder Loan*

This is a $500 loan that you receive in installments as you pay it down.

  • Why choose a Credit Builder Loan?
    • Lower rate than the Starter Loan because of how you receive the money
    • This keeps you and PCFCU at a lower risk
    • You build your credit score while learning how interest and payments work
    • This works best for those who are primarily looking to build their credit and not in need of all the loan money right now


*Loan Term up to 12 months. Subject to credit and employment verification. Must be 18 years of age or older.



What age do you have to be to apply for a Starter or Credit Builder Loan? 

You must be at least 18 years old. 

Can I use these loans to rebuild my credit?

No, these loans are for individuals looking to establish credit for the first time.

Go to main navigation