<prompt> Human: Either online or in person I live in NYC where is the best place to take out this loan?  <response>: What is a credit builder loan? A loan you dont need that you pay unneeded interest on in order to build credit?If you dont have credit, start out with a secured or unsecured if you can credit card and pay off the balance on time, every month, no exceptions. Your credit score will eventually go up. 