Build your credit. Build your dreams.

Whether you’re just starting out or need to establish credit, a Credit Builder Loan from Ocean Financial helps you build your credit score slowly and securely over time.

How it works:

  • Loan amounts up to $1,000 with a maximum term of 12 months.
  • Half of your loan amount will be saved in a savings account to be released to you after 6 months of timely payments.
  • Slowly increase your credit score while increasing your future borrowing power.
Credit Builder Loan
Credit Builder


Speak with a Loan Officer.
Call 516-453-6023

*APR=Annual Percentage Rate. Rates and terms accurate as of 10/01/23 and are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan rates featured are the lowest for the product advertised. Loan-to-value restrictions may apply. For Credit Builder Loan terms of 12 months estimated monthly payment of $87.91 per $1,000 borrowed. Payment is based on Credit Builder Loan rate of 9.99%. Membership conditions may apply.