Momentum Loans

Credit Builder Loan

Life is full of twists and turns — and sometimes your credit gets a little banged up. Whether you're starting fresh or rebuilding your financial foundation, build momentum with a loan designed for the road ahead.

Features & Benefits

• No down payment required
• No minimum credit score required¹
• No pre-payment penalties
• Choose repayment terms to fit your budget
• Reported to all 3 credit bureaus

How It Works

1. Loan funds are deposited directly into your Trax Savings Account and placed on hold
2. You make on-time payments over the term of the loan
3. Once the loan is paid off, the hold is released on the funds in your savings account
4. You gain credit history and establish a savings account at the same time!

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Upward Auto Loan

The journey ahead may come with a few road bumps, but low credit doesn’t have to be one of them — rebuild your credit with every on-time payment and get the transportation you need.

Features & Benefits

• Find your perfect ride with AutoAdvisors
• No rate increases
• Build your credit with every on-time payment

Secured Credit Card

Get the financial fuel you need for the road ahead! Pave the way for your next adventure with a low-interest card secured by your Trax savings.

Features & Benefits

• No annual fees
• Balance Transfers available²
• Competitive rates to get you the lowest rate possible