High-Impact Short Term Loans.
Our goal is to provide affordable rates and fees to make loans accessible for every borrower and then provide one-on-one support for maximum impact. We want our loans to lift customers and their families into a more sustainable future. We want to impact systems, not just symptoms.
We don’t do credit checks, we don’t require collateral. Our lending process is based on the relationship we develop with you and our partners.
lower interest rates
minimum fees
partnerships & Education
Our Partners
Most financial challenges are about more than just money. Under-employment, family stress, and lack of opportunity can often be at play. Because we cannot address all of these aspects we rely on experienced, effective partners and coaches who help our borrowers thrive.
Getting ahead is about a lot more than covering an expense.
We’re committed to walk with you every step of the way.
How We Work.
Consumer Information Brochure
This brochure contains some common terms and definitions, to help you better understand your credit transaction. Credit costs money, so it is important that you fully understand the terms. If you come across terms you do not understand, ask us!
Loan Rates and Fees
Interest 5% - 15% APR per year
Late Fee of 5% of each installment payment with a maximum of $10.00
LOAN RATES AND FEES
BELOW IS GENERAL INFORMATION REGARDING ALL RATES AND FEES THAT WILL ASSIST YOU IN MAKING YOUR LOAN DECISION. IF YOU HAVE ANY QUESTIONS, OR WOULD LIKE MORE INFORMATION, PLEASE ASK. MAKE CERTAIN THE QUESTIONS THAT YOU ASK ARE ANSWERED. MAKE CERTAIN YOU UNDERSTAND THE TERMS AND COSTS OF YOUR LOAN.
ANNUAL PERCENTAGE RATE (APR)
The cost of your credit as a yearly rate. APR is a combination of the interest rate plus the fees charged on your loan. APR is higher than the interest rate because it includes both fees and interest as finance charges.
Your actual terms and the Annual Percentage Rate (APR) will be determined at the time your application is submitted and will be based upon your application and credit information. Not all applicants will qualify for the lowest rate.
The calculation of APR is mandated pursuant to Federal Law (12 CFR Part 1026 – Truth in Lending Act (“TIL-APR”)). It is intended to provide a single value for a consumer to compare the cost of credit between one lender and another. Under New Mexico law, an additional type of annual percentage rate (“NM-APR”) must be disclosed, which may include additional charges that are not included in the TIL-APR. The NM-APR for a loan in an amount of more than $500 and up to $10,000 made pursuant to the Small Loan Act of 1955 or the Bank Installment Loan Act of 1959 cannot exceed thirty-six percent. The NM-APR for a loan in an amount of $500 or less made pursuant to the Small Loan Act of 1955 or the Bank Installment Loan Act of 1959 cannot exceed thirty-six percent plus a fee that shall not exceed five percent of the total principal of the loan and shall not be imposed on any borrower more than once per twelve-month period.
FEES
A list of all fees that you may be charged.
Late Fee of 5% of each installment payment with a maximum of $10.00
Ready to learn more?
Use the form below to contact us regarding loans or our process. You may also email us.