Main office: (315)785-2400 Hours: Mon – Fri 8:00am – 3:00pm. Branch office: (315)785-2470 Hours: Mon – Fri 8:00am – 4:30pm
Our Credit Builder Loan is an ideal solution for those looking to build, or repair, their credit score and credit history. With this loan, you can borrow a small amount, without a credit check, and make affordable monthly payments. These payments are reported to the credit bureau, so timely payments will reflect positively and help to improve your score.
A loan application and proof of income is required. You must have direct deposit posting to your State CS account before receiving Credit Builder Loan funds.+
First Credit Builder Loan:
After you have made at least six payments and repaid your first credit builder loan in full, you may apply for a second, larger credit builder loan.
Second Credit Builder Loan:
+Direct Deposit requirement may be waived for established members actively using State CS accounts and services.