How We Can Help
With breathing room and the right tools, you can build lasting financial strength.
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When every dollar is already spoken for, it’s almost impossible to think about the future.
Research shows that people who are constantly under financial stress experience what’s called a scarcity mindset—a kind of tunnel vision that makes it hard to plan, focus, or solve problems. This isn’t a character flaw. It’s how the brain responds to constant pressure.
That’s why our first goal is to help you breathe—to reduce day-to-day financial stress so you can take your next step. But breathing room isn’t the end of the journey. It’s the beginning. Because no one achieves financial security without good credit and a little savings. Whether you need to buy a car, pay off bills over time, or handle emergencies, having access to financial tools is essential.
Our loan products are designed to help you do exactly that—build savings, strengthen credit, and create a foundation for the future.
Our Loan Products
Emergency Loan (Payday Alternative)
What it is: A small, no-interest loan to cover urgent expenses like rent, utilities, car repairs, or medicine.
Why it helps: Avoids payday lenders and gives you a little breathing room when something goes wrong.
Who it’s for: Low-income people referred by one of our non-profit partners.
Credit Builder Loan
What it is: You make small monthly payments into a locked savings account. At the end, you get the money back—and a better credit score.
Why it helps: Helps you build or repair credit and develop a savings habit.
Who it’s for: Low-income people who want to improve their credit and prepare for larger financial goals.
Step-Up Credit Builder Loan
What it is: Like the basic credit builder loan, but the amount you borrow (and repay) grows as you succeed.
Why it helps: Builds confidence and credit while reinforcing good habits.
Who it’s for: Low-income people ready to take a next step after successfully completing one loan.
Hybrid Credit + Savings Loan
What it is: Each monthly payment goes partly toward your loan and partly into a savings account.
Why it helps: You address an emergency need and build savings at the same time.
Who it’s for: Low-income people ready to grow savings while improving credit.
Line of Credit
What it is: Once approved, you can borrow up to a set amount when needed, without reapplying each time.
Why it helps: Gives you a safety net for emergencies or seasonal expenses.
Who it’s for: Low-income people with a track record of repayment who want peace of mind.
Group-Based Options (For Success Circle Members)
Group Credit Builder Loan: Everyone receives a loan; the group ensures on-time payment.
ROSCA/ASCA Participation: Community-based lending and saving models that can offer larger loans and deeper support.