Is Cambio Credit Builder Loan the right fit for you?

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Last Updated: 04/18/2025

Cambio Credit Builder Loan

from Cambio Financial Health LLC

Last Updated: 04/18/2025

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Highlights

APR (Factor Based)

0%(Verified 06/21/2024)

Amount Range

N/A

Loan Term (Months)

Up to 12

Cambio Credit Builder Loan Review

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

Key Takeaways

Cambio Loan Pros & Cons

Pros

Cons

Low APRs available to qualified borrowers.

Charges an origination fee.
Short loan terms (maximum of 12 months).
Does not offer pre-approval with soft credit pull.
Cambio Credit Builder Loan does not report to credit bureaus.
Charges prepayment fees.
No co-sign option available.

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

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?

Cambio Loan does not disclose whether it charges late payment fees.

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

Prepayment Fee

N/A

Late Payment Fee

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.

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 or other government photo ID
Proof of identity
Proof of citizenship or residence permit

Cambio Loan Eligibility Criteria

Minimum Age

N/A

Bank Account Required?

Application Types Accepted

Individual Applications

Credit Score

N/A

Does Cambio Financial Health LLC perform a hard credit pull?

Yes, Cambio Loan performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will be be performed.

Are Cambio Credit Builder Loan legit?

cambio was founded in 2020. It is an established company that has been in business for 6 years.

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

SuperMoney Disclosure: SuperMoney.com 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.

Created by

Fact Checked by

SuperMoney

Andrew Latham

Contact

Headquarters

515 N State St

Chicago, IL 60654

Visit Site

Email Support

Hours of Operation

SundayAll DayMondayAll DayTuesdayAll DayWednesdayAll DayThursdayAll DayFridayAll DaySaturdayAll Day

Other Services by Cambio Financial Health LLC

Availability

Available in 50 states and Washington, D.C.

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
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
West Virginia
Wisconsin
Wyoming

SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.