Credit Repair/Builder Loan Program

Our Money Matters Small Dollar Loan Program can assist you in building or repairing your personal credit. The amount borrowed with these loans ranges between $500 and $1,500.

Credit Builder

The entire loan amount is placed in a Heartland Bank Simply Savings Account. These funds are held as collateral. Your credit is built as on-time monthly payments are made toward the amount borrowed. Upon successful repayment of the loan, the amount you borrowed will be made available to you.

Credit Repair

Half of the total loan amount is placed in a Heartland Bank Simply Savings Account and held as collateral. The remaining half is given to you. You may choose to pay off a high interest debt, have Heartland Bank send a payment directly to a company for you, or put your money into a Money Matters Checking account. Your credit is repaired as on-time monthly payments are made toward the amount borrowed. Upon successful repayment of the loan, the remaining amount that was held as collateral will be made available to you.

How to Apply:

  • To apply, please speak with a banker at your local branch. When applying, please note the following:
    • This is a personal loan designed for a single borrower only.
    • You must have proof of identity, address, and 6 months verifiable income.
    • You must provide a Certificate of Completion from a Money Matters Financial Education Class.

View a list of locations and contacts to set up an appointment for a financial education class.