OnePay Credit Builder Loan Account Maintenance

Can I set a beneficiary on my account?#

No, we do not offer the ability to set beneficiaries on OnePay Credit Builder Loan.

Is it possible to pick a different payment plan?#

No, terms for OnePay Credit Builder Loan are standard and do not change based on creditworthiness.

Can I refinance OnePay Credit Builder Loan?#

No, terms for OnePay Credit Builder Loan are standard and do not change based on creditworthiness. If you are having trouble making your monthly payment, you may cancel Credit Builder Loan anytime without penalty from OnePay by contacting Customer Service or saying Agent in chat to be connected to a OnePay Specialist. Please note that prematurely terminating a loan account may have an impact on your credit score.

Are there fees for canceling OnePay Credit Builder Loan?#

No, there are no fees for canceling OnePay Credit Builder Loan. You may cancel at any time and the savings you've contributed so far will be deposited to your Primary Savings. Note that prematurely terminating a loan may have an impact on your credit score. If you would like to cancel your OnePay Credit Builder Loan account, please contact Customer Service or say Agent in chat to be connected to a OnePay Specialist.

How can I cancel OnePay Credit Builder Loan?#

Please reach out to Customer Service or say Agent in chat to be connected to a OnePay Specialist.

Can I change or update the terms of OnePay Credit Builder Loan?#

No, terms cannot be changed or updated.

If my OnePay Credit Builder Loan is canceled, can I reopen the same Credit Builder Loan?#

No, you can not reopen the same OnePay Credit Builder Loan. However, you can apply for a new OnePay Credit Builder Loan at any time.

If eligible, you can tap here to reapply.

Can I temporarily suspend or pause OnePay Credit Builder Loan?#

No, OnePay Credit Builder Loan can’t be paused or temporarily suspended.

Can I make withdrawals?#

No, you can’t make withdrawals from OnePay Credit Builder Loan. The principal amount is placed in your OnePay Credit Builder Loan locked account and applied to your monthly payments. You will get back the savings you've contributed at the end of the program.

What bank is my OnePay Credit Builder Loan held?#

Coastal Community Bank, Member FDIC.

How can I monitor my credit score?#

You can view and track your credit score from the Home tab of your OnePay app.

Tap here to open OnePay Credit Builder Loan in the OnePay app.

How can I view my prior OnePay Credit Builder Loan activity?#

You can view closed OnePay Credit Builder Loans in the OnePay app or website. To view a closed Credit Builder Loan:

Tap the profile button at the top right to access your Profile in the OnePay app
Tap Documents then OnePay Credit Builder Loan history

Select the corresponding OnePay Credit Builder Loan you wish to view