NEW Program Guidelines – Please Read
To ensure this program remains sustainable for those who need it most:
đź”’ Loans are now capped at $3,000.
đź”’ LLFS can no longer support larger loans based solely on leave hours.
đź”’ CBLP is reserved for those with credit scores under 700 and a clear financial need.
In the past, many community members used this program to "save" leave hours — this is no longer an option. If you’re counting on this strategy, please plan now to use your hours before they expire.
Why We Created The Credit Builder Loan Program
At Leech Lake Financial Services, we believe that building good credit shouldn’t come with high risk. That’s why we offer the Credit Builder Loan Program (CBLP) — a trusted, culturally responsive solution for community members who want to improve their credit and access affordable financing.
Many in our community face steep barriers to credit — including predatory lenders, which are 5x more common in Cass Lake than the national average. CBLP was created to break that cycle and provide a path forward.
What is the CBLP?
What OurCredit Builder Loan Can Do for You.
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Help with car repairs.
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Cover medical or family needs.
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Improve your credit score to 700+
This isn’t just a loan — it’s a step toward financial freedom. Whether you’re rebuilding your credit or working toward long-term goals, we’re here to help you succeed. Loan terms are typically 6 to 12 months.
Eligibility Requirements
Who Qualifies?
✔️ Local community member
✔️ Employed with available leave/PTO
✔️ Credit score under 700
✔️ Completion of our Credit Builder Class
The CBLP is a small loan repaid through payroll deduction and secured with your PTO/leave hours. Loans range from $300 to $3,000 and are designed to help you build credit while managing real-life expenses.
How It Works
Build Your Credit One Payment at a time.
1. Attend the Credit Building Class (required)
2. Apply for the loan after completing the class
3. Secure the loan using your leave/PTO hours
4. Make monthly payments via payroll deduction
5. Build credit while meeting everyday financial needs
Ready to Get Started?
To register for the required Credit Builder Class or to ask questions:
Call us at 218-339-3940
To apply, click the link below, complete the application and email it to [email protected]Â
Credit Builder Loan Application