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 while rebuilding your credit score.

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. Not to mention the money you will save towards a car, vacation or even your child’s education.


What is it?

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 bankruptcy, consumer proposal, or a debt management program?

The Credit Builder Program can help you rebuild your credit and get approved for a loan in the future.

Are you a student and new immigrant?

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

Build credit while you save.

A Climb Credit Builder Program can help you rebuild your credit profile while you save money in a responsible way.


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.