Get Credit for Your Merit

We know you are more than your credit score. We believe your past achievements are an important indicator of your potential. That’s why Meritize looks beyond FICO and uses your previous academic or military achievements to enhance your credit evaluation and potentially improve your loan options

I know where I want to go

If you have your path laid out and know your school or training program, start your loan application!

I don't know where I want to go

If you want to research your path, use Meritize Connect to help you move forward!

You can improve your loan options by sharing details of your achievements

Share your academic history

Show what you’ve learned inside the classroom to improve your loan options outside the classroom by providing your transcript or high school equivalency scores

Get credit for your military service

If you’re a veteran, you can share your military documents to get credit for your military service

Borrower benefits

  • Checking loan options will not impact your credit score
  • Pre-approval in minutes
  • Competitive fixed and variable rates
  • Ability to finance up to full tuition and, in some cases, cost of living
  • Affordable payment options, including deferring payment until 3 months after you complete your training
  • Interest rate deduction if you enroll in autopay**
  • No pre-payment penalty
  • Access to free Career Services


** The 0.25% AutoPay interest rate reduction applies if you make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.  AutoPay is not required to obtain a loan.

Career Services

Academic Coaching

Work with one of our coaches to develop a game plan to perform at your personal best while in school

Job Search Bootcamp

Work with experts on your job search, from crafting your resume to negotiating salary

New-to-the-job Coaching

Develop the personal and competitive skills that will help you achieve professional excellence in your new job