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Credit Builder
Stronger credit, brighter futures.
Helping you build confidence, healthier financial habits and a more positive credit history – with support along the way.
Whether it’s getting on the road, working towards your first home or putting your credit history on a more positive footing, we’re here to help you build towards what matters.
More than a loan.
Our Credit Builder combines affordable borrowing with practical support to help you build a more positive financial future.
Build stronger credit
Your positive activity is reported to the major credit reference agencies.
Payments designed around you
Affordable repayments designed to help you build a positive credit history.
Safe, fair and transparent
Clear terms with
no hidden fees.
Build for the future
Building a stronger credit history can help create better opportunities for the future.
Who is Credit Builder for?
Credit Builder is designed for people who want to improve their financial resilience, build a more positive credit history and develop healthier money habits with support along the way.
You may be eligible if you:
- Are aged 18 to 35
- Live, work or study in Merseyside
- Receive Personal Independence Payment (PIP), Child Benefit or Carer’s Allowance
- Would benefit from improving your financial resilience
- Are motivated to improve your financial situation
Real members, real stories
“The support from ECU has been life-changing. I’ve built my confidence, cleared some debt, started saving and my credit score has improved. I now believe in myself and my future.”
– Programme Participant
Supporting someone who could benefit?
We work with organisations across Merseyside to help people build financial confidence, develop positive money habits and create stronger financial futures.
Confidence that goes beyond credit.
Build confidence
Feel more confident understanding and managing your money.
Build positive habits
Develop budgeting, saving and repayment habits that can support you for the future.
Keep moving forward
Use the skills and experience you’ve built to work towards your future financial goals.
Benefits of joining Enterprise Credit Union
- One-to-one support tailored to your goals.
- Positive activity reported to the major credit reference agencies.
- Practical help to manage your money and plan for the future.
- Develop positive saving habits and start building a financial buffer.
- Clear terms with no hidden fees.
- We’re with you throughout your journey towards greater financial resilience.
What our members say
Ready to take the next step?
Start building a more positive credit history, healthier money habits and greater confidence with your finances.