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So, you need a loan and your credit is less than perfect. Is it even possible to get one? The short answer is yes, but it may not be easy.
Your best option is to apply for a share-secured loan or share-secured credit card. These types of loans hold funds in your savings account as collateral against the amount borrowed. Even though you are using your own money as collateral, the loan will still report to the credit bureaus and help to build credit.
You may be able to get a loan with a qualified co-signer. An ideal co-signer is someone established with good job time and residence time, and good payment history with their creditors. When using a co-signer, it’s important to make on-time loan payments because your decisions will directly affect your co-signer’s credit.
For tips on building your credit, visit our YouTube channel. And to get started with a shared secured loan or credit card, or get additional loan information, stop by your local Superior branch!
Since visiting Superior Credit Union both Laurie and I have become members and moved money into investments through Superior. We have been VERY happy with the service provided by Tim Niebel and others that we have come in contact with. The customer service and value of being appreciated as a member by far surpasses any bank we have been in contact with or used. Prior to playing the Piggy Bank promotion, I had barely heard of Superior and after we talked to many of our friends who are members and got excellent reviews.Bill & Laurie
Love the people working at my branch. They helped me not only set up a checking and savings account but also a 12 month CD. Thank you guys for the help.Noel N.
John was very very helpful, gave me insight on savings accounts and helped me get what I needed quickly!Dylan W.
As first-time homebuyers, Superior made it easy. We applied for or home loan online and heard back with our pre-approval within a couple of days! Alisha Reaman was super helpful and informative. She answered all of our questions and explained all the steps during our home buying process. We are extremely thankful for Alisha and the rest of the Superior staff, even more thankful for being chosen to receive the first-time homebuyers grant through Superior! We highly recommend Superior for first-time homebuyers!Ian & Savanna
We could not be happier with our experience with Superior! Working with Kelly was a dream. Not only was she informative, she added a true personal touch to the entire process. Would absolutely recommend working with Superior CU for your mortgage needs!Connor & Katie
A year ago, we refinanced our home with Superior Credit Union and Kelly Dattilo. She was so incredibly helpful that when we recently bought a new home in Tucson, AZ, we called her immediately to ask for her help again! Kelly is very knowledgeable and professional and we highly recommend her for any kind of mortgage assistance. She’s readily available and very patient when I have questions and makes sure that I understand the answers which I really appreciate. Again, we highly recommend her – she’s the best!!Cindy & Rick
Kelly Dattilo was absolutely amazing to work with. She went above and beyond trying to find what would work best for me. She was very open and honest, which as a first-time buyer made everything easier. You can tell she genuinely cares about those she is working with.Renae M.
As a first-time homebuyer, I had the best experience with Kelly Dattilo at Superior. Her patience and kindness to explain all of the process and the different options made the entire experience seamless and exciting! The SuperiorFirst grant helped me so much throughout my process of homebuying and financing! I can’t thank Kelly enough for helping me secure my first home with the advantage of using the first-time homebuyers grant!Lindsey C.
Without the SuperiorFirst grant funds and help of Superior Credit Union, homeownership would not have been possible. The process from pre-approval to closing was very easy.Kalen L.
Todd and the rest of the amazing Superior staff made my vehicle purchase smooth and convenient for me. They truly went above and beyond to provide the most fantastic customer service, well past their closing hours so I could pick up my vehicle on time. I cannot thank them enough, from our personal accounts, business account, mortgage and now two auto loans - Superior is our number one choice!Holly S.
Thanks for your help with the loan!!! Love love love this car!!!Amanda M.
Julie and Kelly were both fantastic, they met all our needs and very professional. Even when we hit small roadblocks they worked through it, and always found solutions. Great company to work with, they will help save you tons of money.Shawn & Natalie
Love using Superior Insurance Services. They always work with me on bills and claims to see if I should claim something or if there are better options to lower my bill. Keep up the great work.Bruce H.
Very friendly and helpful staff. They go the extra mile and I saved a lot on my auto and apartment renter's insurance. It made a big change to my budget! Thank you Wendy!Elizabeth M.
As first-time homebuyers, Superior made it easy. We applied for or home loan online and heard back with our pre-approval within a couple of days! Alisha Reaman was super helpful and informative. She answered all of our questions and explained all the steps during our home buying process. We are extremely thankful for Alisha and the rest of the Superior staff, even more thankful for being chosen to receive the first-time homebuyers grant through Superior! We highly recommend Superior for first-time homebuyers!Ian & Savanna
We could not be happier with our experience with Superior! Working with Kelly was a dream. Not only was she informative, she added a true personal touch to the entire process. Would absolutely recommend working with Superior CU for your mortgage needs!Connor & Katie
A year ago, we refinanced our home with Superior Credit Union and Kelly Dattilo. She was so incredibly helpful that when we recently bought a new home in Tucson, AZ, we called her immediately to ask for her help again! Kelly is very knowledgeable and professional and we highly recommend her for any kind of mortgage assistance. She’s readily available and very patient when I have questions and makes sure that I understand the answers which I really appreciate. Again, we highly recommend her – she’s the best!!Cindy & Rick
Kelly Dattilo was absolutely amazing to work with. She went above and beyond trying to find what would work best for me. She was very open and honest, which as a first-time buyer made everything easier. You can tell she genuinely cares about those she is working with.Renae M.
As a first-time homebuyer, I had the best experience with Kelly Dattilo at Superior. Her patience and kindness to explain all of the process and the different options made the entire experience seamless and exciting! The SuperiorFirst grant helped me so much throughout my process of homebuying and financing! I can’t thank Kelly enough for helping me secure my first home with the advantage of using the first-time homebuyers grant!Lindsey C.
Without the SuperiorFirst grant funds and help of Superior Credit Union, homeownership would not have been possible. The process from pre-approval to closing was very easy.Kalen L.
Todd and the rest of the amazing Superior staff made my vehicle purchase smooth and convenient for me. They truly went above and beyond to provide the most fantastic customer service, well past their closing hours so I could pick up my vehicle on time. I cannot thank them enough, from our personal accounts, business account, mortgage and now two auto loans - Superior is our number one choice!Holly S.
Thanks for your help with the loan!!! Love love love this car!!!Amanda M.
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