Financial freedom starts here

CreditBuilder is a loan product designed to help members with no credit, little credit, or unfavorable credit.

The program focuses on building or rebuilding your credit score. By improving your credit score, you are likely to get better rates on loans, and save a lot of money in the process.

How it works

The money you borrow from Langley is put into a savings account on your behalf. It's held as collateral, and earns the standard savings rate. The loan is then repaid on a monthly basis at a very favorable interest rate.

When your loan is completely paid off, the money you initially borrowed is released to you — it's no longer held as collateral. So in the long run, you will have saved up a nice chunk of money, and, by making regular loan payments on time, you will have established credit or potentially improved your credit score.