 TITLE: How Do I Get a Credit-Builder Loan? CONTENT: Other Options to Build Credit\n-----------------------------\nCredit-builder loans aren't for everyone. Luckily, there are other ways to build your credit if you have little or no credit history:\n*   **Apply for a secured credit card**: A secured credit card is like a credit card with training wheels. You provide a deposit, and that becomes your credit limit. This allows you to establish good credit habits, while providing lenders with a low-risk way to help you do it.\n*   **Become an authorized user**: If you have a financially responsible friend or relative with good credit, ask them to add you as an authorized user to their credit card account. You'll get access to that account's payment history, which could boost your score if the primary cardholder keeps the balance low and pays their bill on time every month.\nCredit-builder loans can be excellent tools for building credit. However, make sure you understand how they work and what the costs are so you're not surprised by interest charges and other fees. END