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Credit Builder Loan

A good credit history is vital to your financial health. But how can you build one if you have no credit history, or if your history has blemishes? With a focused effort, JBT's Credit Builder Loan program may help you improve your credit score.**

JBT's Credit Builder program is a combination loan and savings program that may help you establish a good payment history, an important step in building a higher credit score. This program, along with your plan to reduce other obligations, can positively impact your credit score over time.


  • You borrow at least $1,000 for a term of 12 to 60 months.*
  • The money you borrow is then placed in a JBT savings account for you and earns interest.
  • You make monthly principal and interest payments to repay the amount you borrow and when you make your final payment, you can withdraw the funds or leave them invested in your JBT savings account.
  • By the end of the Credit Builder Program you may see an improved credit score (based on your payment history**) and you’ll have a jump start on savings.


*This product is a fixed-rate, closed-end loan. The following is an example of rates and terms for illustration purposes: The Annual Percentage Rate (APR) for this product is calculated by adding 6% to the current Annual Percentage Yield (APY) of the term of the applicable savings account. For example, if the current APY on a JBT savings account is 0.60%; the APR on a 12 month loan would then be 6.60%. The monthly payment on a $1,000 loan for 12 months at 6.60% would be $86.34. For more information about current rates, applicable fees, and available terms, contact JBT’s Client Resource Center at 717-274-5180 (Option 1) or apply for a Personal Loan by clicking here.

**Results not guaranteed. Improvement in credit score dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month will result in negative reporting to your credit report which will not improve your credit history. This product will not repair your credit, and negative credit history will not be removed from your credit report as a result of this program. Loan subject to approval.