1. All loans made by Austin Capital Bank, SSB, a Texas chartered state savings bank. Member FDIC. Equal Housing Lender. Individual borrowers must be a U.S. Citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to consumer report review and approval. 2. *Results not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report. All loans subject to approval. $12 Administrative Fee. 3. All Certificates of Deposit (CD) are deposited in Austin Capital Bank, SSB, a Texas chartered state savings bank. Member FDIC.