Our ScoreUp贷款 is here to help if you have no credit, little credit or may need some help improving your credit score. By making manageable monthly payments on-time, you’ll be establishing a positive 信用记录, 同时也增加了你的储蓄.1
Apply with little or no 信用记录, no cosigner required
Choose a payment term that works for you to pay off the loan – from 6 to 36 个月
Loan proceeds are deposited into a ScoreUp 储蓄 Account and will be available when loan is paid in full2
|最长24个月||$500 to $2,500||5.50|
|最长36个月||$2,501 to $5,000||5.50|
不，这是最棒的部分. The loan proceeds are placed into a Patelco ScoreUp 储蓄 Account and placed on hold at funding. 例如, 如果ScoreUp贷款的资金是500美元, a $500 ScoreUp 储蓄 Account will be opened with $500 on hold. Those funds will not be available for withdrawal until the loan is paid in full
There are no fees: no late fees, origination fees, processing fees, or pre-payment penalties.
汽车matic payments are required from a Patelco Account. You can use a checking, savings, or money market account.
You can close your loan at any time, but you will not get all the credit building benefits. 有两种方法:
If a ScoreUp贷款 goes 25 days past the due date, the loan will automatically be closed and paid in full using the funds in the ScoreUp 储蓄 Account (interest will not be applied for that period). Any remaining funds from your ScoreUp 储蓄 Account will be transferred to your membership savings account. This helps ensure that your credit isn’t impacted by the delinquency.
在Patelco, we put your financial wellbeing first and provide free financial coaching with a Patelco Certified Financial Specialist. Your financial specialist can help you create a personalized st率gy so you can feel in control of your money and track your progress.
It’s a great way to kickstart your ScoreUp plan today.
对你的信用感到困惑? 弄清楚它到底是什么, 什么贷款人认为一个良好的信用评分, 如何查看你的分数, 以及如何保持良好的信用记录.
Learn why and how you should do a budget review to keep your budget realistic. Find important questions to ask to help you manage your budget and stay on track!
监控你的信用很重要. 了解如何检查你的信用评分, get a free report and what to look for on your credit report from the reporting agencies.
1 4月(年度百分比利率). All loans are subject to credit approval, restrictions apply, 率s are subject to change. 贷款利率5.50%， 2023年2月16日生效. Patelco offers a range of base 率s and discounts that depend on factors such as credit type, 信用记录, 贷款期限, 和Patelco的客户关系. Actual 率s are disclosed to approved applicants in writing prior to loan consummation. The ScoreUp savings account is used as collateral for your ScoreUp loan. As of 2/16/2023 the APY (Annual Percentage Yield) for of the ScoreUp savings account is 0.05% and is subject to change without notice. 例如，如果你收到2500美元的贷款.00美元，利率5.50% with no origination fee and make 18 monthly payments of $145.你的财务费用是115美元.06, which would make your total repayment amount $2,615.06. 成功偿还贷款后, the balance in the ScoreUp savings account (which includes the interest earned) will be disbursed to the borrower. After 25 days delinquent the ScoreUp贷款 will automatically close and the funds in my pledged account will be applied to settle my loan.
2 汽车matic funds transfer from a Patelco checking, savings or money market account is required.