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Smart Start Loan

We're always looking for new ways to help our members. Our new Smart Start loan is designed to help you either establish credit or repair past credit history over the course of 12 months.

How it Works
  • We'll open a no credit-qualifying loan for you of up to $1,000
    • Maximum term of 12 months
    • Interest rate of 15% APR*
  • Each month, as you make your payments, a portion of the funds become available
  • We report your payments each month to the credit bureaus, gradually helping you establish good credit (or helping to improve your credit score.)
  • At the end of 12 months, if all payments are made on time, you can request to have a $500 line of credit by visiting your nearest branch or contacting the call center at (800) 743-7228

*APR=Annual Percentage Rate. Rate valid as of , Subject to change without notice. Maximum loan of $1,000. Payment example: a 12 month loan at 15% APR would have monthly payments of $90 per $1,000 borrowed. Funds will be held until payments are made and pledge balance decreases.

Arrowhead Credit Union © 2017 | P.O. Box 735 San Bernardino, CA 92402
Equal Housing Lender National Credit Union Administration
This Credit Union is federally-insured by the National Credit Union Administration.
We do business in accordance with the Fair Housing Law.