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Fresh Start

Fresh Start Loan

In a world where second chances are hard to come by, the Fresh Start Loan Program offers an encouraging solution. If you want to establish credit or repair poor credit, UCB's Fresh Start Loan can help.

We offer a low rate and affordable payment plan while you establish savings and rebuild your credit. Simply apply, pay it back on time, and your positive payment history will be reported to the credit bureaus. You'll be back on track in no time!

Features & Benefits

  • Build or repair credit
  • Access account details conveniently online to view balance and make payments
  • Establish credit while building your savings.
  • Positive payment history reported to credit bureaus


  • Loan amount of $2,000
  • Rate of 3.50% with an APR* of 3.539%
  • 24 monthly payments of $86.44
  • When you have repaid the loan in full, you will have access to the funds which have been on hold in your UCB savings account.

*Annual Percentage Rate (APR) accurate as of September 15, 2020. This is a fixed rate loan and will not change after loan consummation. There are no prepaid finance charges. Credit approval subject to program underwriting guidelines. Interest rate and program terms are subject to change without notice.