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Ages 18+

Young adults can build credit using their own accounts.

A SECURED LOAN TO BUILD OR REPAIR CREDIT 

Give your credit a fresh start with this credit builder loan.


Savings Secured Loan • Certificate Secured Loan

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Start Your Secured Loan Application Here

SECURED LOAN RATES

Our Secured Loans can be a smart credit builder loan option, helping you improve or establish your credit history while earning interest on your savings.

Rates as of October 4, 2024

Name Term APR1
Savings Secured Up to 60 months 5.00%
Certificate Secured Not to exceed certificate 5.00%

your savings, your advantage

Secured Loan For Building Credit

Our Savings Secured Loan and Certificate Secured Loan are great loans for strengthening your credit profile. Explore how they can empower your financial journey.

Lower Interest Rates

Enjoy competitive interest rates by using your savings as collateral.

Guaranteed Approval

Using your savings as collateral will guarantee approval.

boost credit score

Improve your credit score with timely monthly payments.

earn interest

Earn interest on your savings while still accessing your funds.
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calculate your payment

Secured loan calculator

See how easily a Secured Loan can fit into your budget with our Secured Loan Calculator. Test a variety of loan amounts, possible interest rates, and loan terms to find the best monthly payment for your current financial situation. Don't forget to email yourself the results!

Your actual term and payment will be provided upon acceptance of an AERO Financial Loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

BUILD YOUR IDEAL BUDGET

This free guide includes every budget you'll ever need.
Maximize your savings and take control of your financial future!

AERO Financial Every Budget Youll Ever Need Ebook

Start Saving Money Today

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knowledge is power

WHAT SECURED LOAN
OPTIONS EXIST?

Our Secured Loan options are meant to help you build or repair your credit at a lower interest rate by utilizing your existing savings as collateral. At AERO Financial we offer two loan options:

  • SAVINGS SECURED LOAN: With this loan type, the money you already have on deposit is used as collateral, and you can borrow up to the amount you have in your savings with terms up to 60 months.
  • CERTIFICATE SECURED LOAN: With this loan type, members can access 100% of their CD funds while still earning interest on their original investment. The deposited cash collects interest while in the secured account offsetting interest charged on the loan. You can enjoy loan terms that match or are less than that of your certificate.
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your next step towards stronger credit

LOOKING FOR THE BEST CREDIT BUILDER LOAN
IN ARIZONA?

Finding the right credit builder loan in Arizona means looking beyond the rate. Keep these factors in mind:

  • RATES & TERMS: Compare the APR and choose a payment timeline that fits your budget.
  • COLLATERAL: Know what secures the loan and how it works.
  • CREDIT-BUILDING BENEFITS: Look for an option that can help strengthen your credit with on-time payments.
  • EARNING POTENTIAL: With AERO, your savings can remain in place and continue earning interest.

Put your savings to work with an AERO Savings Secured Loan or a Certificate Secured Loan. Apply today and take a step toward stronger credit while your savings continue earning interest.

Apply Now
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Secured Credit Building Loan Tips for Success

A credit builder loan like AERO's Savings or Certificate Secured Loan can help you turn consistent payments into positive credit habits that support your financial goals.

  • CREATE A PAYMENT TRACK RECORD
    Each on-time payment gives you another chance at correct credit use.
  • GROW YOUR CREDIT HISTORY
    A longer credit history can strengthen your credit profile.
  • BUILD GOOD MONEY HABITS
    Regular payments can build responsible borrowing habits.
  • PREPARE FOR WHAT’S NEXT
    Stronger credit can help with future borrowing and goals.

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What our members
are saying

"The easiest process we have ever went through for a loan. Always quick to reply and on top of things. We closed very quickly! I will never go elsewhere for financial needs."

Tim K.

"Easy company to work with. 3rd loan with them. Fast and easy online process. Favorable terms, friendly staff, and loan officers. I recommend them."

Dave A.

“We've been members for over 30 years, and every single time we've worked with them, they've been amazing. Great service, friendly staff, and super helpful with all things financial. We're so grateful!”

Katreena H.

YOUR SECURED LOAN QUESTIONS, ANSWERED

Are There Rules On What I Can Spend The Money On?

No. An AERO Financial Savings Secured Loan and Certificate Secured Loan can be used towards any of your financial goals.

How Long Can I Borrow The Money?

With an AERO Financial Savings Secured Loan, you can borrow the money for up to 60 months.

The term of a Certificate Secured Loan is equal to the term of your Share Certificate.

How Do I Make My Monthly Payments?

You can make your Savings Secured Loan or Certificate Secured Loan payment in a few different ways: