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Zipline Credit Builder Criteria

As you make your payments and use your ZipLINE Credit Builder account, you’ll have the chance to borrow more while you build your credit. The tiers and requirements are below. By the time you reach tier 3, you’ll likely have better credit and a solid start toward your financial future. Just meet the basic requirements, including at least 30 days of established Direct Deposit, a base credit score, and a $30 non refundable application fee.

Information Tier 1 Tier 2 Tier 3
Credit Limit $500 $1,000 $2,000
Direct Deposit History 30 days of Direct Deposits (at least two) which are equal to or greater than the minimum payment.  90 days of Direct Deposits (at least six) which are equal to or greater than the minimum payment. 180 days of Direct Deposits (at least twelve) which are equal to or greater than the minimum payment.
Minimum Payment (required by direct deposit) $25 or outstanding balance, whichever is less. $50 or outstanding balance, whichever is less. $100 or outstanding balance, whichever is less.
Credit Score Requirement No Credit Score Requirement Minimum Credit Score Requirement Moderate Credit Score Requirement

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Special conditions: Qualifying Direct Deposit amount must be available Direct Deposit not committed to any other scheduled payments or transfers. All qualifying Direct Deposits must have met minimum amount requirements for the entire qualifying period. Direct Deposit must continue for the duration of the Line of Credit. If the Direct Deposit is discontinued or is lowered to an amount less than the minimum payment, the Line of Credit may be revoked by The Partnership Federal Credit Union. Members subject to revocation may re-apply to have their credit limit reinstated if and when they re-qualify for the product. Repayment must be made by automatic payment (share transfer method) coinciding with borrower’s Direct Deposit. Direct Deposit cannot be from a protected source such as Social Security or Civil Service Requirement. Members may not have more than one ZipLINE at a time.