Cambio Credit Builder Loan
Cambio Credit Builder Loan
in Personal Loans from Cambio Financial Health LLC

Cambio Credit Builder Loan

in Personal Loans from Cambio Financial Health LLC
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APR  (Factor Based) 0%
(Verified 03/23/2023)
Loan Amount N/A
Loan Term (Months) Up to 12 months

Cambio Credit Builder Loan Review

Cambio Credit Builder Loan is offered by cambio, a nonbank financial services provider founded in 2020 and based in Chicago, IL. Cambio Credit Builder Loan are available in 50 states (and Washington, DC).

Key Takeaways

  • Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Cambio Credit Builder Loan early.

Cambio Loan Pros & Cons

Pros Cons
  • Low APRs available to qualified borrowers.
  • Charges an origination fee.
  • Short loan terms (maximum of 12 months).
  • Do not offer pre-approval with soft credit pull.
  • Cambio Credit Builder Loan does not report to credit bureaus.
  • Charges prepayment fees.
  • Charges a late fee.

Cambio Loan FAQ

What interest rates and personal loan terms does Cambio Loan offer?

Cambio Loan has lower than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Cambio Loan offer?

Cambio Loan offers a personal loan product of 0%.

What is the maximum loan term you can get with Cambio Loan?

Cambio Loan offers loans with terms of up to 12 months.

Cambio Loan Interest Rates & Loan Terms
Personal Loan Amount N/A
Loan Term up to 12 months
APR 0%

What fees does Cambio Loan charge?

Does Cambio Loan charge an origination fee?

Cambio Loan may charge a personal loan origination fee.

Does Cambio Loan charge a late fee?

No, Cambio Loan will not charge you a late fee if you miss one of the monthly payments.

Does Cambio Loan charge prepayment fees?

No, Cambio Loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.

Cambio Loan Fees
Origination Fee No
Prepayment Fee N/A
Late Payment Fee No

What do you need to qualify for Cambio Credit Builder Loan?

Cambio Credit Builder Loan does not require or does not disclose a credit score minimum.

Cambio Credit Builder Loan does not have or does not disclose a minimum annual income eligibility requirement. Cambio Credit Builder Loan only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Cambio Credit Builder Loan. Their rates fall within the limits of The Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Cambio Credit Builder Loan.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Proof of identity
  • Proof of citizenship or residence permit
Cambio Loan Eligibility Criteria
Minimum Age N/A
Bank Account Required? No
Application Types Accepted
  • Individual Applications
  • Credit Score N/A

    Are Cambio Credit Builder Loan legit?

    Cambio Credit Builder Loan was founded in 2020. It is an established company that has been in business for 3 years.

    Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

    SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
    Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


    Hours of Operation

    • Sunday All Day
    • Monday All Day
    • Tuesday All Day
    • Wednesday All Day
    • Thursday All Day
    • Friday All Day
    • Saturday All Day

    About Cambio Credit Builder Loan


      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • Washington, DC
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Self-Employed
    • Retired
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Individual Applications
    Military Status
    • Active Duty Military
    • Non-Military
    • Veterans
    • Military Dependent
    Supported Income Types
    • Direct Deposit (W2, SSA, SSDI)
    • Cash
    • Payroll Check or Prepaid Card
    • 1099 Misc. Income
    • Tax Returns
    Verification Documents Required
    • Driver License (or other photo ID)
    • Proof of citizenship/residence (Green Card)
    • Proof of Identity
    • Social Security Number
    APR Type Factor Based
    APR (Factor Based) 0%
    (Verified 03/23/2023)
    Loan Term Up to 12 months

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