Loans
Loans designed to help you move forward. Flexible funding for real-life needs — no minimum credit score required to apply.
Emergency loans
Fast support when unexpected needs arise.
- Help when life cannot wait
- Quick relief for urgent financial moments
- Car repairs, medical bills, and the surprises that can’t be put off
Business loans
Fuel your business. Grow your vision.
- Funding to start, strengthen, or expand your business
- Equipment, inventory, vehicles, and working capital
- Helping local businesses build what comes next
- Free help preparing your business plan
Consolidation loans
One payment. Less stress. More control.
- Simplify your debt and take a step forward
- Bring your payments together with confidence
- Replace high-interest balances with one fair payment
Personal loans
Flexible funding for life’s important needs.
- Support for the expenses that matter most
- A personal loan built around your goals
- Terms built around seasonal and rural income
Credit builder loans
Start small. Build strong. Move forward with confidence.
- Your path to better credit starts here
- Build credit with confidence — one payment at a time
- Payments reported to build your record
- Free one-on-one financial coaching
Why borrow from us
No credit minimum
A thin or damaged credit file does not disqualify you. Bring us your situation and we will look at it.
Nonprofit rates
We are not here to profit off you. Our rates and fees exist to keep the fund lending to the next borrower.
A real person
You will work with the same loan officer from first question to final payment.
Flexible terms
Fishing seasons, fire seasons, and construction seasons all get factored into your payment schedule.
Free coaching
Budgeting, credit, and business planning support at no cost, whether or not you borrow.
Certified CDFI
We are a certified Community Development Financial Institution, accountable to the communities we serve.
Not sure which loan fits?
Call us and describe what you need the money for. We will point you to the right program — or tell you honestly if we are not the right lender for it.