Credit Builder & Rebuilder Loans

We know that life’s challenges can leave marks on your credit. That’s why we’re here to help you rise above them.

Your First Step Toward a Brighter Financial Future

Our Credit Builder and our Credit Rebuilder Personal Loans are designed to give you the tools, resources, and support you need to improve your credit, rebuild your confidence, and open doors to the opportunities you deserve.

  • Rebuild Your Credit: Whether you’ve faced setbacks or just want to strengthen your financial standing, our Credit Builder Loans are here to help you establish or repair your credit history.
  • Focus on the Future: We don’t dwell on the past. Instead, we assess your potential and work with you to create a pathway toward financial success.
  • Customized Support: Our team takes the time to understand your story, offering guidance tailored to your needs and goals.

Available Builder & Rebuilder Loans

Builder & Rebuilder Personal Loan

  • Borrow $1,000–$5,000.
  • Funds held in your share account until the loan is repaid.
  • Funds released to you once the loan is successfully paid off.
  • Funds earn interest while held.
  • Save money while establishing a good payment history.

Secured Visa Credit Card

  • Credit card limit $1,000–$2,500.
  • Funds equal to card limit held as collateral.
  • Can be used just like any other credit card.
  • Establishes positive payment history.
  • No cash advance fees.
  • No annual fees.


Builder & Rebuilder Auto Loan

  • Must have direct deposit established for two pay periods.
  • Must be continuously employed for at least 6 months.
  • Must be a member for at least 90 days.
  • Must qualify based on ability to pay.
  • $500 minimum down payment.
  • No credit score requirement.

Quick Cash Loan

  • Get $300 same day—often within minutes of applying.
  • Must have direct deposit established for two pay periods.
  • Must be continuously employed for at least 6 months.
  • Credit is pulled but is NOT a determining factor in loan approval.
  • Low $20 application fee.

How It Works

At HealthShare, we see more than numbers. We see resilience, determination, and a future full of possibilities.

  1. You Borrow. You Build.

Start with a secured loan designed to help you build positive credit habits.

  1. Steady Payments. Strong Results.

By making regular, on-time payments, you’ll show lenders that you’re ready for a fresh start.

  1. Watch Your Credit Grow.

As your payments are reported to the credit bureaus, you’ll see the impact of your commitment to rebuilding.


Your Story Isn’t Over

It’s time to take control of your financial story—because you deserve to.

Membership eligibility required. Credit terms & conditions and other qualifications may apply. Offers subject to change without notice. See credit union for details. Federally insured by NCUA.

Mechanical Breakdown Protection

With a vehicle service contract you can add protection against the unexpected high cost of vehicle repairs.

Learn More

Guaranteed Asset Protection (GAP)

The last thing you want to think about right now is a total loss on your new vehicle … But you should!

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Credit Disability & Life Insurance

Credit Disability and Life Insurance can help ease the financial stress for you and your family should you be out of work due to a total disability or in the event of your death.

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You could save $652* on car insurance. Get a quote. TruStage Insurance Agency

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Convenience at Your Fingertips

 

Life is already busy and can be hectic at times. Why not do yourself a favor and make life one step easier by taking advantage of our electronic services including mobile banking, eStatements, Online Banking and Bill Pay?

See the difference and take advantage of our electronic services today!

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family walking

Don’t Just Dream it. Do It...

We can help you find the perfect mortgage!

Purchasing a home is perhaps one of the most important and largest financial decisions you’ll ever make. That’s why you can rely on your credit union for making your dreams come true. Having a dedicated professional to help you navigate the process can be a real plus. We'll work to get you the best rates on the specific loan tailored to your needs.

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Phone: (336) 832-8119
Mortgage Dept: (336) 404-9965
Fax: (336) 832-8129

Lost/Stolen Debit Cards: (800) 523-4175
Lost/Stolen VISA Credit Cards: (800) 325-3678
ABA/Routing Number: 253176037

Moses Cone Hospital
1200 N. Elm Street
Greensboro NC 27401

Wesley Long Hospital
501 N. Elam Ave
Greensboro NC 27403

Alamance Regional Medical Center
1240 Huffman Mill Rd
Burlington, NC 27215

© 2022 HealthShare Credit Union.
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