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Credit Starter

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Credit Starter By ProFed

ProFed’s Credit Starter Program is designed for young adults to build credit from the ground up. As a trusted lender, we want to help young adults borrowing for a first auto loan, credit card, personal loan, mortgage, and everything in between. We're here to help you build your payment history and good credit for your future. Reach out to find out if you qualify for the program.

Contact Us Schedule Appointment

Qualifications

Do you have a checking and savings account with us? Six months of job time? Money for a down payment, but no credit history or credit score? Our Credit Starter Program may help you get your first car loan on your own gaining good credit habits. You might also qualify to be a cardholder with a ProFed Visa® Rewards credit card.

Benefits

Earn up to $50 cash back on your ProFed Auto Loan and double the cash back rewards on your ProFed Visa Credit Card for making on-time payments the first year. In addition, ProFed First-Time Homebuyers will receive a rate discount and $500 off closing costs.

ProFed Makes Credit Building Easy

Steps To Get Started 

  1. Use our calculators below to help determine your budget for a car loan, credit card or home loan to prepare you for your next big decision.
  2. Next, call us at 260-373-1631 or schedule an appointment to see if you qualify for the program.
  3. Now you're ready to start going through our educational modules. Click "Start Now" on a module and then “Login” in the top right-hand corner to register and complete the required Car Loans Module and Credit Cards Module.
  4. Apply now for a credit card, car loan, or mortgage.
  5. Enjoy the benefits! Earn cash back, rewards, and rate discounts.

*Creating an account and completing the Car Loans Module and Credit Card Module is a requirement of the program. Money Sense modules are not supported on the Internet Explorer browser.

Car Loans

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Car Loans Module

Start Now
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How Much Car Can I Afford?

Calculate Now
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Calculate My Auto Payment

Calculate Now

Credit Cards

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Credit Cards Module

Start Now
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Paying Off My Credit Card

Calculate Now
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Why Pay More Than The Minimum Balance?

Read Now

Home Loans

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Considering Homeownership Module

Start Now
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Buying A Home Module

Start Now
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Mortgages Module

Start Now
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How Much Home Can I Afford?

Calculate Now
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How Much Of A Down Payment Should I Make?

Calculate Now
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Comparing Mortgages (i.e., 15, 20, 30 year)

Calculate Now

Click here for a sample down payment form.

ProFed uses the following credit bureaus: Experian, TransUnion, and Equifax to get your FICO score. Get your free credit report at annualcreditreport.com.