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Get to Know Your Credit Score

Your credit matters when you apply for a loan: We’ll check your credit rating, which influences your rate and term.

Find out more about your credit score.

Contact Us Apply Online

What makes up a Credit Score?

  • Payment history:
    Paying bills on time helps your score. On the flip side, paying late and how often you are late works against you.
  • Money you owe:
    The number of accounts and the total amount you owe affect your score.
  • Length of credit history:
    The longer you’ve had credit, the better, especially if you have used your credit responsibly.
  • Types of credit:
    Credit cards and car loans are different types of credit — the mix of credit you have is included. 
  • Recent debt:
    Your score can go down if you open several accounts in a short period of time.
  • Collections:
    Having an account referred to collections or declaring bankruptcy can affect your score.

How can you keep your Credit Score strong?

  • Pay bills on time — set up automatic payments so you don’t miss any.
  • Keep balances on credit cards low.
  • Open credit only when you need it.
  • Keep a good mix of credit, not just credit cards.

How can you hurt your credit?

  • Maxing out your credit cards.
  • Making late payments.
  • Moving debt from one account to another.
  • Opening several accounts at one time.
  • Having loans with finance companies.
  • Closing a number of credit cards suddenly.
  • Defaulting on a loan or credit card.

What can you do to help repair your credit?

  • Contact us for help if you are experiencing debt issues.
  • Plan a budget to pay down your debt.
  • Stay within your planned budget.
  • Work to establish credit over time.
  • Use your credit cards wisely.
  • Catch up on payments.
  • Keep an eye on your credit report.

All About Credit

When you apply for a loan, we'll check your credit rating, which will influence your rate and term.

Credit Help

I didn't find the information I needed…

How much is my payoff?
Find out by contacting us at 1.800.858.3400. You can also find your payoff with Online and Mobile Banking.

How do I apply for a car loan?
Find out about the loan process then apply online.

What are your interest rates on a new or used car?
Check out the Rates page for current rates on all vehicles.

Can I refinance my car loan?
Of course! Learn more about refinancing.

How do you decide who gets a loan?
Find out more about how loans are approved.

I'm buying a car from another person. What should I do?
Before you buy, contact us about the value of the car.

Phone-A-Loan

Apply for a loan or get help from a real person.

Contact Phone-A-Loan

Have some general questions?

Find out more and get answers to your questions.

1.800.542.3328