In order to qualify the applicant must:

• Live in Northeast Ohio.
• Have an income with the ability to repay the loan on a monthly basis.
• Lack the ability to obtain the needed funds from a conventional lender like a bank or credit union.
• If married, apply with spouse/partner as co-applicant. A co-applicant may also be appropriate in other situations.
• Apply with a guarantor. A guarantor will be legally liable for the full amount of the loan.

Other important things to know:

• Credit will be checked for all applicants, co-applicants, and guarantors with an emphasis on payment history, not a three digit credit score.
• The maximum loan amount is $10,000.
• Upon approval, all checks are made payable directly to creditors (source of need) and not individuals (borrowers).
• Learn More: How to Apply

Download applications below. 

Featured image: Standard Loan Recipient, Cigornai. Read her story.