Credit Builder Loans

At Southwest Financial, we understand financial hardships happen. There comes a time when you need to rebuild your credit. With our Credit Builder Loan, you can do just that. Finance up to $1,000, with a loan term not to exceed 6 months.

  • Application fee of $20

  • Receive half of the loan proceeds up front and the other half once loan is paid in full

  • Interest rate not to exceed 28% APR*

Payment Protection

Financial hardship is one thing your family doesn't need to worry about if unexpected death or disability should occur. With credit life and disability payment protection, your loan is one less worry for you and your family. When you add credit life protection to a vehicle loan, the vehicle can be an asset to your family with a free and clear title.

Credit Life

  • Your family inherits an asset, not a liability

  • Protect your family's credit rating after the loss of income

  • Keep your family at their current standard of living

  • Relieves the co-borrower of any obligation

  • Protects other assets

Credit Disability

  • Loan payments are made for you

  • Hospitalizations not required to qualify

  • Payments do not have to be repaid

  • Benefits are tailored to the amount financed

  • Specific coverage for your Southwest Financial loan, separate from employer-provided plans

    • Typical employer plans pay only 60% of your salary, which is used for other household bills

    • Your loan and your credit are protected with our specific coverage