Exactly About Develop Credit With One Of These Small Installment Loans Constant tips, tricks & shortcuts sent to your inbox. You may not qualify for the types of accounts—credit cards, personal loans, etc. —that could help build it if you have poor or no credit. It’s one of the numerous frustrations associated with the United States’s credit system, but there are many ways that are under-the-radar enhance it. One of these is named, properly, a “credit builder” loan.