Reach your credit goals with a personal loan
If you have no credit, bad credit, or want to rebuild your credit, the path to possibilities starts with a simple, manageable loan for building credit.‡
Unlock your credit-building potential.
How much money do you need?
Loans to build credit, funds to build your life
The stronger your credit score, the more access you have to life’s big things – like housing, insurance, student loans, & even certain jobs. A loan for building credit can help you get there.
Affordable, flexible, totally possible
Between our flexible loan terms and dependable payment schedule, you can rest easy knowing a personal loan with World is a smart, budget-friendly choice for building credit.
Fixed payments make it easy to be on time
The secret to building credit with a loan? It’s on-time payments. Our loans come with fixed payments – no surprises, no curveballs. So you can make your payment on time, every time.‡
Loans for Building Credit
3 ways to start building your credit with a loan.
Apply online
Start your loan application online
in minutes.
Apply by phone
More of a phone person?
Give us a call.
Apply in person
Our friendly community team members are ready to help.
Loans for building credit vs. other options
See how a World Finance loan for building credit stacks up against title loans, pawn shop loans, payday loans, and credit cards.
Affordable fixed-rate monthly payments
Reviews credit history and ability to repay the loan
Reports to credit bureaus
Usage flexibility
Average loan terms
Source: Company filings, CFPB, Center for Responsible Lending Report (Feb 2013), Wall Street Research, AFSA Education Foundation: Personal Loans 101: Understanding Small Dollar Loans
†† For the full list of sources visit: https://www.loansbyworld.com/loans/advantages
*** Set installments may vary
Loans for building credit FAQs
Does applying for a loan to build credit require a credit check?
A credit check is required during the process. When you submit your application, we do a soft check, which does not affect your credit score. A soft check allows us to peek at your credit score. During approval, we do a hard check, which does affect your credit score. A hard check will let the credit bureaus know that your credit history is about to change.
How does a loan to build credit work?
With the right attention and management, a personal loan can help to establish, build, and maintain good credit. This happens through consistent, on-time payments, and our regular reporting to all 3 credit bureaus
Can I afford a loan to build credit?
We work with you to find the right loan terms and fixed rate for your budget. A personal loan with World Finance is an affordable way to build credit over time through consistent, on-time payments.
How is a loan to build credit different from a payday loan?
Payday loans come with an expectation to repay in one, large payment (typically when you get your next paycheck). They also come with high, inconsistent rates. There is also no credit reporting with a payday loan, which means there's no chance to improve your credit through repayment.
How does a loan to build credit help to build credit?
With the right attention and management, a loan to build credit can help to establish, build, and maintain good credit. This happens through consistent, on-time payments, and our regular reporting to all 3 credit bureaus.
Can I apply for a loan to build credit loan online?
Yes, you can start your application online. It only takes a few moments to fill out the form. Once you submit it, we’ll reach out to you with next steps – which include a visit to your local branch. The application and loan approval process is fast, easy, and funding typically takes about an hour.
"I have been able to improve my credit score [with] World’s personal installment loans, and now receive offers for lines of credit I never would have qualified for in the past."
Bobbie Mitchell, World Customer
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Learn about building credit with a loan (and more).
