You’ve got this
Rebuilding your credit is easier than you think. Our Opportunity Credit Building Loan allows you to borrow $500 regardless of your credit score. We’ll deposit the funds into your savings account but keep them secured over the 12 month repayment period. Once you have paid off the loan over the repayment period, you will walk away with $500 spending cash and an improved credit score.
Borrow a Little + Gain a Lot
This loan is more about building your credit score than about having extra cash. By borrowing a small amount and making on-time payments, you can improve your credit in just one year. That means you’ll be in a better position for things like credit cards and auto loans in the future. You set the goal, we’ll help with the rest – like setting up automatic payments and taking the mystery out of how credit scores work.
Repayment term of 12 months
Monthly payments required
Loan is backed by your savings account
Financial assistance and education
Friendly member service
Online and mobile access
Discounts on tickets, goods and services
Why Addition Financial?
School yourself with free financial know-how.
On Time, Every Time
Online bill payments = never pay another late fee.
Easy to Find
Convenient locations + shared branches nationwide.
Improve your financial well-being
Build your credit and your confidence with an Opportunity Credit Building Loan.
Anyone who lives, works, worships, volunteers or attends school in 22 select counties may join. View our "Become a Member" page for full eligibility.
2Complete loan application
When you’re ready, complete the online application or visit your branch to apply in person.
3Get your loan
Enjoy your new cash as you work to establish better credit.
Get your learn on
Think of us as your personal financial guru, partner and coach for wherever life’s journey takes you. To help you live your best life, we offer money management tools, financial literacy seminars and expert advice that’s easy to understand. Start making every moment (and every penny) count.