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Create a Bright Future full of hope and possibility with Excelus Financial Inc.

We offer short-term Secured Savings Loans and Credit Education designed to improve your financial literacy in addition to building good credit.

Build Credit - Apply Now

Our Excelerator Bright Future Program

Build, or Rebuild Credit History

Build up your Credit Rating with one of our Secured Savings Loans. Start building your financial future.

Create, New Credit

Our Excelerator Program Credit Specialists will teach you how to manage credit (to provide for your Bright Future)

Restore, Improve Credit Scores

Adding new and positive credit history will help to improve your credit score.

Save, Money

Save Money Good Credit will save you thousands of $$ in interest charges

Build, Create, or Restore your Good Credit

Canadian Credit Builder Loans

Whether you are just starting to establish credit or need to get a fresh start on your current credit history, our Credit Builder Secured Savings Loan is just for you. It allows you to save and begin building a positive credit history without any money down. As long as you are 18 years old and have been employed at least 20 hours a week continuously for 6 months, you could qualify.

Build or rebuild credit without any money up front
Create a positive payment history record
Loan proceeds held in a Secured Savings Account
Loan amounts of up to $3315.00 are available, 18, 24, 36-month repayment terms
Financial Literacy Credit Education Programs

Credit Building Tools

Excelus Financial's unique Credit Building Services emphasize new, good links of credit to positively impact your credit score and credit profile. Services include: Individual Credit Building Consultations and Planning. Our Credit Counsellors speak one-on-one with clients to assess income, debt, credit history, and financial goals to create a unique Excelerator Bright Future Action Plan.

Access to Credit Building Products. Excelus Financial originates a Secured Savings Credit Builder Loan and refers to other safe and affordable products to assist individuals with "thin" credit files to establish a good line of credit on their credit bureau reports.