Credit Builder Program

If your credit score is controlling your life – the Climb® Credit Builder Program is for you!

The Climb Credit Builder program allows you to save your money towards a goal while rebuilding your credit score - even if you're in Consumer Proposal. With an improved credit score you’ll be one step closer to achieving a better financial future and get approved for loans at a better interest rate. 

Are you in a Consumer Proposal? Use the Climb Accelerator Plan to pay off your Consumer Proposal early while building your credit.


What is the Credit Builder Program?

A responsible way to re-build your credit and build a better financial future.
An easy way to save money for the things you want or need.
Payment plan options that fit your budget and lifestyle.
Poor credit or little to no credit history accepted.
No funds provided up front.

How it works?

1. Join

Sign up and get a free credit consultation.

2. Build

Determine the Credit Builder Account with a payment plan that fits your budget.

3. Commit

By making scheduled payments, positive monthly reports will be sent to the Credit Bureau.

4. Save

At the end of your plan, your savings unlocks and you’ve created positive credit history.

The Credit Builder Program holds the amount borrowed in a bank account while you make payments and build credit. When the account is paid off, the money is released to you.

With the Credit Builder Program, you do not receive cash up-front, however you can access your savings during the term of your loan based on the amount of equity you’ve accrued. You can build up savings and reach your financial goals using flexible payment options.

Are you in a consumer proposal or a debt management program?

Learn about our Climb Accelerator Plan, specifically designed to help you pay off your Consumer Proposal earlier while building credit..

Are you a student or new immigrant?

The Credit Builder Program is an excellent way to start building your credit rating.

Build credit while you save.

It's easy to get started, just request a call and a credit consultant will be in touch.

Request a Call

Credit Impact – Climb offers short term savings loans and is not a credit repair service. A ClimbLoan may help improve your credit score by building a credit history provided your payments are made in full and on time. A ClimbLoan is only one of the many fundamentals required to maintain a healthy financial lifestyle.