The smart way to build your credit

This integrated auto financing and purchase program will help you establish a positive credit history, without requiring a co-signer! Are you a College student or a recent college grad? Or are you new to the United States? Recently divorced or widowed? Even with little or no credit history, you may qualify for an auto loan with Credit Builder™. If you're ready to build up your credit and you need a reliable car, Credit Builder is your auto financing program.

Financing provided by Smartway Advisors preferred financial partners with interest rate of 12.99% APR**

• Loan amounts up to $15,000
• Low down payment
• Get a dependable pre-owned car
• Interest rate of 12.99%**
• No credit history necessary
• No co-signer required

**APR = Annual Percentage Rate. Rate offered by Unitus Community Credit Union, TwinStar Credit Union or Oregon Community Credit Union as of 4/1/2011 and is subject to change without notice. Certain restrictions apply for program eligibility. Membership to Unitus Community Credit Union, TwinStar or Oregon Community Credit Union required.

Get on track

Good credit is good for your future. Good credit management builds a higher credit score, and reduces your interest rate which will save thousands of dollars when you're ready to finance a home or obtain a credit card. Build your credit the Smartway with Credit Builder and drive a quality, pre-owned vehicle that's right for you and your pocketbook.

To learn more about the Smartway Advisors Credit Builder program click on the informational video interviews on the video page, or complete our online pre-qualification form and get on the path to a better vehicle loan.  It’s the smart way to buy a car.