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RI$E Credit Booster Loan

Personal > Borrow > RI$E Credit Booster Loan

RI$E Credit Booster Loan

If you’re looking to establish, rebuild, or improve your credit score, the RI$E Credit Booster Loan can help you do that, while also growing your savings. No upfront funds are needed, and applying won’t hurt your credit. With on-time payments reported to all three credit bureaus, this loan is a simple, affordable way to take control of your financial future.

How it Works

Loan amounts from $500 to $3,000
Terms from 12 to 36 months (Example: $1,000 loan = 12-month term)
Affordable, predictable monthly payments
No impact on your credit score for applying
Builds credit while securing your loan funds in a savings or CD account

At the end of your loan term, you’ll receive the full loan amount—plus any interest earned!

Apply Now

The RI$E Credit Booster Loan is Ideal For:

Young adults looking to establish credit.
Anyone working to improve their credit score after past challenges.
People saving for a large purchase who want to avoid additional debt.

Requirements

To qualify, you’ll need:

A First State Bank Savings or CD account (loan amount will be held in this account until the loan is paid in full).
Automatic payments from a First State Bank account.
Proof of income and valid identification.
Must be 18 years or older.
One Credit Booster Loan per customer at a time. Additional loans can be taken after the first is fully repaid.

Know Your Costs

$85 one-time loan processing fee rolled into the monthly payment and reflected in the APR.
Example: A $1,000 loan over 12 months = $92.74 monthly payment with an APR of 20.492%.
Your credit score may improve with on-time payments, helping you qualify for lower rates in the future.