Fresh Start Plus Credit Builder Loan

The Fresh Start Plus Credit Builder Loan is an innovative credit product designed to structure and finance your monthly program payment obligations into a new secured loan. Your monthly loan payments will be reported to the credit bureaus to help you maintain the best possible credit at the lowest possible cost.

Our secured lending programs let consumers pledge their illiquid financial assets and hard-to-value personal valuables as collateral to access low cost financing. We accept a wide range of non-traditional personal collateral that most lenders will not lend against.

Payment history is the most important factor in your credit score. You will build positive payment history with the credit bureaus by making on time payments and get the credit reporting benefits of an unsecured consolidation loan at a fraction of the cost.

Key Features

  • Our loan terms will be designed specifically for you with monthly payments that you can afford.
  • Our loans are secured installment loans. Your loan term and monthly payment will be fixed.
  • Your interest rate is considerably lower than credit card and unsecured interest rates.
  • There are no hidden fees–no prepayment penalty fees and no late fees.
  • We report to all three major credit bureaus. Payment history is 35% of the FICO score, used by over 90% of lenders.

How we are different

We help you gain access to credit and improve your credit score without having to take on high cost credit card debt or an unsecured loan and give you the tools and support to gain financial independence and realize your financial goals. We monitor your credit scores periodically, and give you access to increased affordable credit as your payment history on the Fresh Start Plus loan improves your credit profile and score.

Our loans are transparent, cost-effective, straightforward and compliant with federal and state interest rate caps. We work closely with consumer finance regulators, such as the CFPB, to ensure that our products offer you the best value.