Who needs credit? Pretty much everyone.

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It’s true. There are a lot of things you can do without using credit. You can pay for your rent, food, and other necessities with a check, debit card, or cash. But building a solid credit history is important even if you prefer to pay with cash. Find out why and how to get started building your credit.

Why do you need a credit history?

If you don’t plan to take out a mortgage or loan or apply for a credit card, you don’t need to worry about establishing a credit history, right? Actually, that’s a common misunderstanding. Good credit is important when you want to get a loan or a credit card, but it’s also used to make other important decisions, like whether to:

A strong credit history is important because how well you handle your money can show whether you are a responsible, reliable person.

The basics of building good credit.

When you’re just starting to build your credit history, lenders may look at a few things to help them decide if you are credit-worthy, including:

The next steps focus on getting credit and using it wisely:

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With us, you don’t need perfect credit to get a loan.

You can prequalify for your loan online in just minutes. Or, if you prefer, call or stop by your local branch. Our loan specialists can answer any questions and help you fill out an application for the personal loan that fits your needs.