{"id":2846,"date":"2019-01-18T21:30:44","date_gmt":"2019-01-19T04:30:44","guid":{"rendered":"https:\/\/lendingarch.ca\/?p=2846"},"modified":"2019-01-18T21:30:44","modified_gmt":"2019-01-19T04:30:44","slug":"building-credit-without-credit-card","status":"publish","type":"post","link":"https:\/\/bestlendersfor.ca\/building-credit-without-credit-card\/","title":{"rendered":"Building Credit Without a Credit Card"},"content":{"rendered":"

Did you know that credit cards are the gold standard for building credit<\/a>?<\/p>\n

Credit bureaus and credit scoring models look at credit cards differently than they do for other types of loans, such as home mortgages and personal loans.<\/p>\n

And, you may know that having a credit card helps you build credit (assuming you don’t rack up credit card debt, that is).<\/p>\n

Still, there are a lot of reasons why you might consider building your credit without<\/strong> a credit card. For example, perhaps you\u2019re not yet eligible for a credit card<\/a>. On the other hand, maybe you don\u2019t want the temptation of overspending to follow you around.<\/p>\n

In any case, here\u2019s food for thought: it is possible to build credit without a credit card. While this may not happen as quickly or as easily, it’s very possible to do.<\/p>\n

We\u2019ll walk you through all the ways you can still build your credit score without that pesky plastic card. Read on to learn more.<\/p>\n

Ask to Be an Authorized User on a Trusted Friend or Family Member\u2019s Credit Card<\/h2>\n

This isn\u2019t something to consider lightly, but it can work out.<\/p>\n

If you\u2019re added on as an authorized user to someone else\u2019s credit card, that credit card history appears on both of your credit reports. So, if your friend or family member is responsible with\u00a0their personal finances, you\u2019ll get a boost to your credit score.<\/p>\n

\"build
Getting Credit In Canada From Vancouver British Columbia to Edmonton Alberta to Toronto Ontario<\/figcaption><\/figure>\n

On the flip-side, if you mess it up by not paying back charges on time or racking up debt<\/a> on your newly-issued credit card, your friend or family member\u2019s credit will take a hit as well as your own. For that reason, this can be a stressful (and relationship damaging) situation if you aren’t careful.<\/p>\n

Pro tip:<\/strong> no one says you actually need to use the new card.<\/p>\n

If you want to be safe or ease their mind, you can offer to hand the card over to that person for safe keeping. The credit information will stay on your account for as long as you\u2019re an authorized user, regardless of whether you use the credit card or not.<\/p>\n

Apply for a Credit Builder Loan<\/h2>\n

You\u2019re not the first person to wonder about building credit without a credit card. That\u2019s why some banks and credit unions offer credit builder loans<\/a>.<\/p>\n

A credit builder loan is a small loan that a bank gives you specifically for building a credit score. Lenders understand that your credit score may not be sky-high, and these loans are relatively easy to qualify for.<\/p>\n

When you get one of these loans, it\u2019s important that you make all of your payments on time<\/a>. If you miss a payment, this whole plan can backfire because any late payments will seriously affect your credit score!<\/p>\n

If you want to be safe, try this: keep that loan money in a separate savings account that offers the highest interest rate you can find. Use that savings account to set up automatic payments to the loan.<\/p>\n

This way, everything is set on autopilot and there won’t be any temptation to spend the excess cash in your account. There’s even the benefit of earning interest until you finish paying off the loan.<\/p>\n

Apply for a Student Loan, Auto Loan, or Personal Loan<\/h2>\n

Your next option is to apply for some other type of loan. This could be a vehicle loan, any other type of auto financing<\/a>, a personal loan<\/a>, or even a student loan.<\/p>\n

However, it’s worth noting that these loans could be much harder to qualify for since they have stricter requirements than a credit builder loan does.<\/p>\n

Each lender sets their own bar in terms of credit requirements. Some lenders may be willing to lend you money at higher interest rates for smaller amounts. Other lenders, in turn, may not lend to you at all.<\/p>\n

Tips for Applying for a Loan With Limited or Bad Credit<\/h2>\n

Getting a loan can be difficult if you\u2019re still building credit, but it\u2019s not impossible. Here are several tips you can use to boost your chances of loan approval<\/a>:<\/p>\n

Try a Credit Union First<\/h3>\n

Credit unions are known for being more likely to work with folks who want to improve their financial status. This is because credit unions are not-for-profit organizations. Banks, on the other hand, need to make a profit to please their shareholders.<\/p>\n

Furthermore, credit unions sometimes offer higher interest rates on savings accounts and lower interest rates on loans. It\u2019s best to shop around at credit unions in your area (or online) to see if you may be eligible for a loan before walking into a bank.<\/p>\n

Talk to Lenders Before Applying<\/h3>\n

Before you go to apply for a loan, try and chat with a loan representative. Explain what you\u2019re trying to do \u2014 get a loan for building credit.<\/p>\n

Tell the representative that you may not have the highest credit score, but you\u2019re looking to change that with this loan. Ask whether a personal loan is a good fit for you before you apply for it. If you find out that you likely won\u2019t get approved for the loan, move on to another lender.<\/p>\n

The main reason you should check if the lender will approve you ahead of time is so that you can limit the number of credit checks on your credit report.<\/p>\n

Whenever you apply for a loan, lenders do a hard credit check. Each time a lender does a hard credit check, your credit score will lower by a few points.<\/p>\n

\"talk
Talk To Lenders Whether You Live In Ottawa ON, London ON or Surrey BC<\/figcaption><\/figure>\n

If you apply for several loans in a row and are denied, your credit score could take quite a hit. But if you were to apply for a personal loan in Canada<\/a> and, on your first shot, you got approval, you won’t need to worry about a whole slew of credit checks appearing on your credit report.<\/p>\n

Note:<\/strong>\u00a0regardless of whether the lender approves you or not, those credit checks won’t affect your credit score after a year.<\/p>\n

So, even though your credit score may take a temporary hit, it may be worth applying for a personal or car loan<\/a> as long as you can make payments on time.<\/p>\n

Apply at an Alternative Online Lender<\/h3>\n

If you’re unable to get loan approval with a bank or a credit union, another option is to apply with an alternative online lender<\/a>. Many online lenders are willing to work with people who are still trying to build their credit.<\/p>\n

Alternative online lenders may charge you a higher interest rate for a loan if you don\u2019t have top-notch credit. But, so will banks and credit unions if you’re lucky enough to actually get a loan.<\/p>\n

But even if you take out a short-term loan at a higher interest rate, you\u2019ll still save a ton of money down the road when you need to apply for a larger loan – like a mortgage – if you\u2019re able to build up your credit now.<\/p>\n

Searching for the best rates on personal loans in Canada? LendingArch works with a wide network of lenders<\/a>, and we can help find the perfect online lender for you.<\/p>\n

Apply With a Co-Signer<\/h3>\n

If you can\u2019t get approved for a loan on your own, you may try applying with a co-signer<\/a>. A co-signer is someone who agrees to be responsible for the loan if you default and can\u2019t pay.<\/p>\n

It\u2019s another serious commitment to ask of someone (just like being an authorized user). Therefore, you\u2019ll want to make sure that you\u2019re truly ready to commit to paying off the loan before you ask someone to be a co-signer.<\/p>\n

When you apply with a co-signer, the lender will look at their credit report too.\u00a0If that person has good credit, your chances of getting approval for a loan will increase and this loan will then appear on both of your credit reports.<\/p>\n

Put Up Collateral<\/h3>\n

Collateral is just a fancy word for some property \u2014 such as a car, a bank account, or something else of value \u2014 that you pledge to a lender. If you default on the loan, the lender can legally take your collateral back in lieu of payment.<\/p>\n

These types of loans are also called \u201csecured loans\u201d because they\u2019re \u201csecured\u201d with collateral.<\/p>\n

A car loan is a common example of a secured loan<\/a>. In this case, the car is collateral and if you don\u2019t make your payments, the lender can repossess your car.<\/p>\n

Pledging some sort of collateral may improve your chances of a lender approving your loan. This is because if you default, the lender is guaranteed to get something rather than risk losing the money.<\/p>\n

Bottom Line<\/h2>\n

Sometimes building credit seems like a catch-22 situation. You need to build credit to apply for credit but to build credit, you first need to get credit. It\u2019s enough to drive you batty.<\/p>\n

Lucky for you, if you follow these tips and stay persistent, you’ll start building credit \u2014 no credit card required.<\/p>\n","protected":false},"excerpt":{"rendered":"

Did you know that credit cards are the gold standard for building credit? 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