Best Credit Builder Loans in Washington (State)

Published: 13 February 2024

Author: Noah Gomez 

Finding the right credit builder loan takes time and effort, and sometimes local institutions offer better terms than national offers. In Washington state, we looked at over 45 banks, credit union, and online providers to find the most cost-effective and quality options in the market.

Best Overall

Progressions Credit Union

Avg. Principal: $7,500
Avg. APR: 5.49%
Avg. Length: 39 months

At only 5.49%, the Progressions Credit Union credit builder loan's APR is below the national average, making it the only credit union in Washington to do so.

While the entry principal is slightly higher than the national average at $5,000, it's suitable for higher-income families in Washington and payable over an minimum 30 months term.

This means the monthly payment is roughly $227.28, a powerful amount for any profile that's rare on credit-builders this size.

Best from Bank (Physical)

First Fed

Avg. Principal: $1,750
Avg. APR: 11.74%
Avg. Length: 18 months

Best from Credit Union

Progressions Credit Union

Avg. Principal: $7,500
Avg. APR: 5.49%
Avg. Length: 39 months

Best from Digital Lender


Avg. Principal: $25,500
Avg. APR: 20.3%
Avg. Length: 48 months

Best Washington (State)-Only Credit Builder Loans

Best Multi-State Credit Builder Loans Available in Washington (State)

Thick Credit Logo


Privacy Policy
Terms & Conditions
Your Rights: CROA & FCRA

Made with ❤️ in Florida

Thick Credit is not a credit repair organization, a credit conseling agency, or a debtor education providor. It does not act on your behalf to communicate with credit reporting agencies or provide pre-bankruptcy credit counseling and pre-discharge debtor education for bankruptcy.

©2024 Thick Credit, All right reserved.