credit builder loans 3

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Credit builder loans are small, secured loans designed specifically for people with little or no credit history. The money you borrow is held in a bank account while you make monthly payments, and those on-time payments get reported to the credit bureaus. Once the loan term ends, you get the lump sum back, minus interest and fees. It's a low-risk way to establish credit, but make sure you can handle the monthly payments before committing.