For Texas customers, we offer a Credit Builder loan which is a 'reverse loan' that you pay into each month and we report the payments to all three major credit bureaus. At the end of the year, we return the money to you, minus the first month's payment, which is an activation fee. You can read more about it here.
Additionally, we work with certain nonprofits to help them offer low APR, non-profit loans through our Fig36 program. For those loans, you would apply directly through the non-profit. At this time, our partner nonprofit is Foundation Communities (Austin Area).