Credit Builder Loan

Just starting out without the credit score you need for the things you want?
Take advantage of our Credit Builder Loan to build your credit!

Navigator Credit Union offers Members an innovative solution for establishing credit while saving for something special.

How it works:

With our Credit Builder Loan, you make regular monthly payments, Navigator reports your positive payment history to all three major credit bureaus - and you even earn interest on the money you're saving while you build credit! Credit Builder Loans can range from as little as $500 to as much as $30,000, with terms from three months to six years. The funds for the loan are deposited into an account with monthly payments and placed on hold until the loan amount is paid in full. It’s a terrific way to establish a healthy credit history. 

Easy Ways to Apply Today

  • Apply Online - 24 hours a day, 7 days a week
  • Apply by phone - Call the Member Contact Center at 800-344-3281: Monday - Friday,
    8:30 a.m.-5 p.m.; Saturday, 8:30 a.m.-1 p.m.
  • Any Navigator Branch - Find your closest Branch by clicking here

You may also want to consider these credit building products:

Navigator Platinum Rewards Card
A Secured Visa(R) Card
Asset Secured Loan


Loan Amount APR
$500 - $4,999 10.99%
$5,000 - $9,999 8.99%
$10,000 + 6.99%

How much do you know about your credit score? Test your knowledge to see if you know what it takes to build good credit. Click here to take the quiz.

Results not guaranteed. Improvement in credit score dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month will result in negative reporting to your credit report which will not improve your credit history. Membership eligibility requirements apply. Subject to approval.