Online Banking


Enroll in Delta Bank Online Banking:

Credit Builder Loan


We get it. Life happens

And sometimes that means that your credit score might need a little help. Delta Bank is a Community Development Financial Institution (CDFI) and we want to help you establish credit and get back on the road to financial success. A Credit Builder loan is designed to help people who have poor credit or who have little or no credit history build credit. A good credit score makes approval for credit cards and loans, at better rates, more likely.

How it Works

Credit Builder loans do not require good credit for approval because the amount you borrow is placed in a Delta Bank Savings account and held as collateral while you make payments. When your loan is completely paid off, the money you initially borrowed is released to you. Why does Delta Bank do it? We want to see you succeed and we want you to be a long time customer of Delta Bank.

 * Results not guaranteed. Improvement in credit score is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month will result in negative reporting to your credit report which will not improve your credit history. Subject to credit approval.


To learn more call or stop by one of our Delta Bank locations today. Click here for more information.

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