If you would like to rebuild your credit score and build a savings – this product is for you! All you need to start is 10% of the loan amount you want. Your 10%, plus the loan proceeds are placed in a dividend earning savings account. Your on-time loan payments are reported to all three credit bureaus, helping increase your credit score. At the end of the loan, the pledge amount, the loan amount and accumulated dividends are available for your use. You can use this money to pay off derogatory credit items, pay bills, put aside for a rainy day, and more!