A fresh start begins here
Establish or repair your credit safely with a credit builder loan from Lone Star Credit Union
Get up to $1000
You can get a loan of up to $1000 while building your credit.
Fixed terms
Terms do not exceed 24 months, so you know exactly how long you will make payments.
Proceeds released
Proceeds from the loan are released once the loan is paid in full.
Establish or improve your credit score
Whether you're new to credit or rebuilding after financial setbacks, this loan can help you demonstrate responsible borrowing behavior. On-time payments are one of the most important factors in your credit score, and this loan gives you the opportunity to show consistency.
Build savings while building credit
Because the loan funds are held in your main share account until the loan is fully repaid, you're not only working on your credit, you’re also building a savings cushion. When the loan is paid off, you’ll have a lump sum of money ready to use.
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1
Complete an application
It takes only a few minutes to fill out the online application.
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2
Get approved
We'll check the qualifications and let you know if you're approved.
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3
Use the funds
Funds are released once the loan is paid.
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Yes,. On the desktop version of digital banking click the plus sign to take you to the Apply for Loan option.
On mobile, tap the plus sign at the bottom of your screen and then tap Apply for Loan to begin the process.
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Make your LSCU loan payment using another checking account, savings account, or debit card through our secure Online Payment Center. If you are making a payment from your LSCU account, please transfer your payment within digital banking.
Please note: Your payments may not exceed $1,500 per entry. If you would like to setup recurring payment from another financial institution, please give us a call at 214.327.9367.
Have a question? Contact us
A fresh start begins here.
Whether you're just getting started or working to rebuild your credit, our Credit Builder loan is a smart, affordable way to move forward.
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Must be 18 years or older for any loan at Lone Star Credit Union. Rates subject to change at any time. Loan application and approval required.
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Rates effective as of: June 14, 2025
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