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Fraudulent Text Message Alert

Please be aware that fraudulent text messages are being sent by an unknown entity portraying themselves as HHCU. This scam seeks to verify a charge, and prompts the recipient to click a link to decline or cancel. Upon clicking the link, recipients are asked for their confidential login credentials.

To report this scam, verify the legitimacy of a text message alert, or if you have provided your confidential card or banking credentials to a fraudulent entity, please contact our Hoosier Hills Contact Center experts at 800.865.2612 or 812.279.6644, email us at info@hoosierhills.com, or notify your local Service Center.

Credit Builder Loan

Build confidence today. Create possibilities for tomorrow.

Build Better Credit, One Payment at a Time

Establishing or rebuilding credit can feel overwhelming, but you do not have to figure it out alone. The HHCU Credit Builder Loan offers a clear way to create positive payment history while building savings for your future.

Choose Your Application Path Contact Us
$1,000 Fixed loan amount
12 Months Predictable term
$0 Loan origination fee

How a Credit Builder Loan works

Your Path to Better Credit in Three Steps

  1. Apply

    Apply for a $1,000 Credit Builder Loan. A credit report will be obtained as part of the application process. If approved, the $1,000 loan proceeds are deposited into an HHCU savings account and held as collateral until the loan is paid in full.

  2. Make Scheduled Payments

    Make your scheduled monthly payments over the 12-month loan term to build a positive payment routine.

  3. Access Your Funds

    Once the loan is paid in full, the hold is released and the $1,000 becomes available in your HHCU savings account.

Credit Builder Loan Highlights

A predictable loan structure and clear milestones help you understand what to expect from start to finish.

  • No Minimum Credit Score RequirementAll loans remain subject to approval and HHCU lending guidelines.
  • Fixed RateA consistent interest rate for the life of the loan.
  • Predictable 12-Month TermA clear payment schedule with a defined end point.
  • No Origination FeeNo loan origination fee is charged for this product.
  • Positive Payment OpportunityOn-time payments may help establish positive payment history.
  • Held Funds Become AvailableAccess the held $1,000 after the loan is paid in full.

Start building toward greater financial confidence

Apply for an HHCU Credit Builder Loan, or contact our team if you would like help understanding how the product works.

Choose Your Application Path Contact HHCU

Apply Online

Choose the right application path

Select the option that matches your current HHCU membership status to begin your secure Personal Loan application.

Not yet an HHCU Member?

Apply and become a Member

Use this application if you are applying for a Personal Loan and joining HHCU for the first time.

Apply as a New Member

Already an HHCU Member? Please choose the Existing Member application to the right.below.

Already an HHCU Member?

Apply as an existing Member

Use this application if you are already an HHCU Member and want to apply for a Personal Loan.

Apply as an Existing Member

Not yet an HHCU Member? Please choose the New Member application to the left.above.

Both options open HHCU’s secure application experience provided by MeridianLink. You’ll leave hoosierhills.com to continue.

Questions? Call us at 800.865.2612.

Keep Building Your Financial Confidence

Explore practical guidance and resources designed to help you understand credit, saving and everyday money decisions.

Visit Financial Wellness

Disclosures

APR = Annual Percentage Rate. No minimum credit score is required to apply. A credit report will be obtained to determine the rate for which the borrower qualifies. All loans are subject to approval and HHCU lending guidelines. Loan proceeds are deposited into an HHCU savings account and held as collateral until the loan is paid in full. Making payments on time may help build positive credit history; however, HHCU cannot guarantee an increase in a borrower’s credit score.

Payment Example: $1,000 for a 12 month term at 9.90% APR results in a monthly payment of $87.87.