All Credit Human locations will be closed on Wednesday, June 19 in observance of Juneteenth National Independence Day.

    Borrow

    Making sense of borrowing

    Your ability to borrow is one of the four factors in determining your financial health and supports you in creating and maintaining financial slack. We want you to know that we’re here to provide you with the tools and resources to ensure you’re healthy when it comes to borrowing.

    Smiling couple budgeting

    We’re focused on relieving your stress when it comes to borrowing. Not only does that mean helping you by having loans available that can increase your financial slack, but also helping you build credit and manage debt – the two key ways your ability to borrow is determined.

     

    Building Credit

    A credit score is the basis of your ability to borrow. Start with taking a look at your credit score to see where you stand. There are many free resources such as www.annualcreditreport.com to get this information. To improve your score you have to look at the factors that go into it: paying on time, how long you’ve had credit, how much you use your available credit, the balances you still owe on your credit, how many times you apply for additional credit, and how much of your credit is still available to you if you need it. If you do not have any credit yet, we can help you determine the best way to start building based on your goals.

    We’re here for you with resources to support you in building credit.
     

    Financial Health Center

    Credit Human is dedicated to not only improving the financial lives of members and their families, but also the communities we serve.
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    GreenPath

    We want to help you build a financial future. Credit Human has partnered with GreenPath, a proactive financial counseling and education service to offer tools and counseling assistance when and where you need help. Whether you want to develop a spending and savings plan, to get out of debt or improve your credit rating, or to work towards a larger financial goal — like home ownership, a college education, or retirement — GreenPath can help.
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    Home Loans

    Your home is an important investment. From buying a home for the first time — whether new, used, or manufactured — to improving your home, or even leveraging your home’s value, we have loans tailored to your situation. Explore all the options, right here.
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    Vehicle Loans

    If you need a new or used car — or if it's time to invest in a boat, RV, or motorcycle for more family fun — Credit Human has loans that can help. Apply online to get pre-approved, and negotiate on the vehicle of your dreams with confidence. It's easy.
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    Personal Loans

    We can help you get more access to healthy credit. Options that give you a pre-approved credit limit or let you lend money to yourself help you protect cash-flow and attend to the changing needs of your family all at the same time. Explore what’s right for you and apply, today.
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    Article: GreenPath thumbnail

    Article: GreenPath

    We can help connect you with our partners who are experienced in financial counseling.
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    Webinar: Options for Dealing with Debt

    Our friends at GreenPath are here to help you come up with a plan to get out of debt and reduce your financial stress.
    WATCH NOW

     

    Additional Resources

    Knowledge and skills you can use to help you create and maintain financial slack

       
     
     

    Managing Debt

    Being able to manage your debt is an important way lenders determine your ability to borrow. You should take inventory of your debt payments each month, along with your other expenses and compare it to your income for the month. This is setting up your spending plan. With this strategy you can see if you can afford to pay down debts faster with any financial slack you find in your spending plan. Start by tackling the smallest debt first and then move on to the next. You can also look at possible debt reduction or relief programs. One way to make your debt payments more manageable may be through debt consolidation. This can be done with a new loan, using a home equity loan or even a credit card balance transfer.

    We’re here for you with resources to support you in managing your debt.

    Financial Health Center

    Credit Human is dedicated to not only improving the financial lives of members and their families, but also the communities we serve.
    Learn More

    GreenPath

    We want to help you build a financial future. Credit Human has partnered with GreenPath, a proactive financial counseling and education service to offer tools and counseling assistance when and where you need help. Whether you want to develop a spending and savings plan, to get out of debt or improve your credit rating, or to work towards a larger financial goal — like home ownership, a college education, or retirement — GreenPath can help.
    LEARN MORE

    Spending Plan Worksheet

    Our spending plan worksheet can help you see where your money is going every month and calculate how much slack you have to achieve your savings goals.
    Download
    Article: Rework Bills & Manage Debt thumbnail

    Article: Rework Bills & Manage Debt

    Having a hard time making ends meet? We can help.
    Article: Tapping into your retirement savings thumbnail

    Article: Tapping into your retirement savings

    Learn what to consider before tapping into your retirement, including some other options.
    READ MORE
    Webinar: The CARES Act and Retirement Accounts thumbnail

    Webinar: The CARES Act and Retirement Accounts

    Join Chip Lutz, our CUSO Financial Services, L.P.* Financial Advisor, as he explains the impacts of tapping into your retirement early and what you need to know about the CARES Act
    WATCH NOW

    Additional Resources

    Knowledge and skills you can use to help you create and maintain financial slack

    Borrowing isn’t the only thing to consider when thinking about your financial slack. Explore more in the areas of plan, save and spend below.

    Plan thumbnail

    Plan

    Planning ahead and getting insured are key factors in creating and maintaining financial slack.
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    Save thumbnail

    Save

    Having a sufficient liquid savings and a long-term savings helps us weather unexpected events and reach our goals.
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    Spend thumbnail

    Spend

    Paying bills on time and spending less than you earn are the foundation for creating financial slack.
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    *Non-deposit Investment products and services offered through CUSO Financial Services, L.P. (Member FINRA/SIPC)

    Tools for Borrowing

    Knowledge and skills you can use to help you create and maintain financial slack.

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    Building Slack

    Read our blog to learn concepts and skills that can help you build and maintain financial slack.

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    Feeling financial stress?

    Discover how you can build financial slack and stress less.

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    Credit Cards & Loans

    Whatever your financial need—consolidating debt, home improvement or even buying a car—Credit Human has competitive loan rates and borrowing options that can help.

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