Addresses the unexpected financial challenges that people who are unable to access traditional financing face. Many people do not have access to funds when financial challenges occur. These situations can include home and car repairs, debt consolidation, emergency funerals, car purchase, and more.

In order to qualify the applicant must:

• Live in the 8 county service area (Cuyahoga, Geauga, Lake, Lorain, Mahoning, Medina, Portage, Summit, and Trumbull).
• 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. 

All Standard Loan applications must be submitted with a guarantor application. 

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