Skip to main content
FMB Logo Header Desktop
Scroll To Top


Begin building or improving your credit

A good credit score is essential to a secure financial future. For as low as a $50 processing fee, you could build or improve your credit with a First Merchants Credit Creator Loan.

How does it work

  • Credit Creator loan proceeds will be deposited into your savings account
  • As your monthly payments are made on time, credit is established with each credit bureau
  • When your loan is paid in full, the funds from the savings account are available to you

Loan Features

  • Low Fixed Rate
  • Low Fixed Monthly Payment
  • No minimum credit score required
  • Flexible loan options from $1,000 - $2,500



Results are not guaranteed. Improvement in credit score dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month will result in negative reporting to your credit report which will not improve your credit history. This product will not repair your credit score, and negative credit history will not be removed from your credit report as a result of this program. Successfully paying off a First Merchants Credit Creator loan does not guarantee approval of a future loan from First Merchants. Subject to credit approval.