If you have a tarnished credit rating and a low credit score, you’re not alone: Millions of Americans struggle with poor credit and the financial consequences it can bring, such as difficulty in obtaining a good interest rate on a mortgage or in getting approved for an auto loan. Fortunately, though, a low credit score doesn’t have to be forever. Rebuilding your credit is a long process, but you might be surprised to learn that our consumer loans can help. Here’s how:

  • Building Good Habits: There’s no shame in needing a loan to bridge a gap in your finances. In fact, paying back an installment loan on time will help create healthy new financial habits: You’ll practice living with your means and only borrowing what’s absolutely necessary, and you’ll get in the habit of reviewing your income and making on-time payments.
  • Demonstrating Responsibility: As you make those payments on time, you’ll show that you’re able to handle your money responsibly. Building a solid payment history and good financial track record make you a much better candidate for loans when you need them in the future.
  • Using Credit Carefully: Once you’ve proven to yourself that you can repay your loans on time, you might consider a secured credit card—but only if you use it for micro-purchases and commit to paying it off every single month. Try using it just for filling your gas tank, for example, and you’ll improve your credit for buying something you already need—and can pay for—anyway.

When you need to take out a loan to regain your financial footing, call us. You can get the help you need from friendly, honest professionals at 18 different locations across the country. For more information on our products and services, visit our website or call 1-800-960-FAST today.

The information provided is for informational purposes only and is not a substitute for professional financial advice. You should consult a credit counseling professional concerning the information provided and what should work best in your financial situation. And any action on your part in response to the information provided is at your discretion.