This won't affect your credit score²
Get a low-interest rate loan offer¹
Funds deposited the next business day*
Borrow up to $40,000, and you can use the money in a variety of ways.
Affordable loans that empower borrowers to establish and build a positive credit history.
Our loans can be used to launch, grow and expand your small business.
Pay off high-interest credit cards or loans and consolidate payments into one, low-interest rate loan.
We understand that emergencies happen, and we’re here to help during your time of need.
Pay an unexpected bill for health care costs for you or your family.
Cover unexpected repairs or bills with a low interest rate loan.
Our loans offer low, fixed interest rates, and fee-free financing. In addition, our flexible underwriting often lets us approve borrowers who may be unable to get loans from other lenders.
We deposit the funds to your account on the next business day after we approve your loan.
The low rate is fixed for the life of the loan, so your rate and monthly payment never change.
You pay no application fees, no origination fees, no servicing fees, and no prepayment fees. There are no hidden fees!
We can set up one monthly payment for you that occurs automatically on the same day every month.
Loan terms range from 12 to 60 months. We work with you to determine an affordable repayment plan.
We report your loan payments to the major credit bureaus to help you build your credit score.
Complete the application in less than five minutes. One of our Loan Specialists will quickly review your application. Loans are funded in as fast as one business day.
See below how you can save thousands on interest payments with a loan from the Economic Justice Fund. Keep more of what you earn! Build your financial well-being!
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“They were kind and understanding, without losing a sense of professionalism. They took the time to review my application and looked at my payment history and not just at my credit score.” - Elena
Read Story All StoriesYou must be a U.S. citizen, permanent resident, or visa holder and must be 18 years old or older. EJF’s personal loans are currently available only to borrowers in California.
You can borrow from $1,000 to $40,000.
Loan funds are transferred on the next business day if the loan agreement is completed before 5 pm PT Monday-Friday, excluding holidays. If the loan agreement is completed after 5 pm PT, on a weekend, or on a holiday, the funds will be transferred on the following business day.
All of our fair and affordable loans offer low, fixed interest rates and have no fees. In addition, our approach to reviewing loans considers an applicant’s character as well as their finances. We work with applicants to learn about their unique circumstances, we look beyond their credit scores to understand their capacity to repay a loan, and then we develop affordable loans that work for them.
The Economic Justice Fund charges no fees. Many other lenders charge application fees, origination fees, servicing fees, and prepayment fees. We charge no fees because we believe in providing fair and affordable loans with transparent terms.
Our loan application process is quick and easy. You can complete the online application form in just a few minutes. During the application process, you can upload documents (or take pictures from a mobile device) to provide a government-issued ID and proof of income (such as recent paychecks).
We provide low, fixed interest rates based on various factors including an applicant’s employment and payment history, income, and credit report.
The term will range from 12 to 60 months depending on the type and amount of your loan. We will work with you to determine the term that is appropriate for you.
Absolutely. You are welcome to repay the loan early without a prepayment penalty or fee.
APR is used to show the total cost of a loan by including the interest rate and all fees. APR represents an accurate cost of borrowing and can be used to compare annual loan costs across different loan options. Since the Economic Justice Fund charges no fees, the APR will always match your low interest rate on the loan, from 6.5% to 24.99%. Therefore, the maximum APR on the Economic Justice Personal Loan is 24.99%.
If you had a $10,000 loan with a 9% interest rate and 5% origination fee, the APR would be 12.54% over the 36-month term. Below is a real-life example of this $10,000 loan that explains the rates and fees. Since the Economic Justice Fund charges no fees, the APR will always match your low interest rate on the loan.
The Economic Justice Fund is certified by the U.S. Treasury Department as a Community Development Financial Institution. California loans will be made or arranged pursuant to the Department of Financial Protection and Innovation (Finance Lenders License #6089475). All loan applications are subject to credit approval. Pricing and terms are subject to change.
*Loan funds are transferred on the next business day if the loan agreement is completed before 5 pm PT Monday-Friday excluding holidays. If the loan agreement is completed after 5 pm PT, on a weekend, or on a holiday, the funds will be transferred on the following business day.
¹ If approved the actual loan amount, term, and interest rate limit may vary based on credit determination and state law. Minimum loan amounts and interest rate levels vary by state. The decision process may take longer if additional documents are needed or requested. Approval and loan terms will vary based on credit determination and state law. Not all applicants will qualify for their requested loan amounts or most favorable loan rates and terms. All unsecured personal loans through the Economic Justice Fund offer a fixed rate and range between 7.9% – 29.99% APR. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved. Not all borrowers receive the lowest rate. The lowest rates are reserved for the most creditworthy borrowers.
² To check the rates and terms you may qualify for, the Economic Justice Fund conducts a soft credit inquiry that will not affect your credit score. If you accept a loan offer, we may conduct a hard credit inquiry that may impact your credit score. If you take out a loan, repayment information may be reported to the credit bureaus.
+Example chart shows calculations based on a 60-month Economic Justice Fund loan with a fixed interest rate of 9%. The lowest rates are reserved for the most qualified borrowers. The High-Interest Rate Loan in the chart is only a representative example.