Start Smart Loan

Get the fresh start you deserve with the Start Smart loan.

This loan is a great choice to help you rebuild your credit, while saving money at the same time.

True to its name, the Start Smart loan was designed to help you get off to a smart start financially and leave the worrying behind. You'll be able to take advantage of a low, fixed interest rate, while also taking advantage of a savings plan.

Once you are approved for the loan, the funds from the loan are placed on hold in your EMUCU savings account until the loan is paid off. Your loan payments will be reported to the credit bureaus over the course of the loan, giving you the opportunity to build a positive credit history.

Once the loan is paid off, you can choose to withdraw the funds, or leave the money in your account to continue earning interest. The choice is yours.

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A division of the University of Michigan Credit Union
Equal Housing Opportunity National Credit Union Administration
Federally Insured by NCUA.