You must be a U.S. citizen, permanent resident, or visa holder and 18 years old or older. Our loans are currently available only to borrowers living in California.

• You must have a FICO Credit Score above 600 to prequalify and be eligible to apply.
  • IMPORTANT: If you do not know your FICO Credit Score, you should obtain a free credit report from AnnualCreditReport.com before applying. This is the only website the federal government authorizes to issue free annual credit reports.
• Your credit report must show no accounts in open collections.
• Your credit report must show no defaults on personal loans or credit cards in the last four years and no repossession, bankruptcy, or foreclosure in the previous seven years.
• You must be employed or self-employed and have documentation of monthly income.

Federal law gives you the right to get a free report once every 12 months from each of the three nationwide consumer credit reporting companies through AnnualCreditReport.com. You can request all three of your reports at once, or you can space them out over the course of the year. AnnualCreditReport.com is the only official site to get your free annual credit reports. This right is guaranteed by Federal law. You can verify that AnnualCreditReport.com is the official site by visiting the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Tip: Be cautious of websites that claim to offer free credit reports. Some of these websites will only give you a free report if you buy other products or services. Other websites give you a free report and then bill you for services you have to cancel. To get the free credit report authorized by Federal law, go to AnnualCreditReport.com

The funds from our loans are commonly used for debt consolidation, credit card consolidation, credit building, emergency or unexpected expenses, moving costs, home repairs or improvements, and medical or dental expenses.

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. You pay no fees.

There are no application fees, no origination fees, no servicing fees, and no prepayment fees. There are no hidden fees!

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.

Our prequalification decisions are provided immediately, and full applications are typically approved the same business day.

The Economic Justice Fund verifies all requirements by checking information on your credit reports. You may only attempt to prequalify once every 12 months, so please first confirm that you meet all Eligibility Criteria and Pre-qualification Requirements before proceeding. We perform a soft credit inquiry when you complete the pre-qualification form. This won’t impact your credit score. Soft credit inquiries do not appear on your credit report and do not affect your credit score. We will perform a hard credit inquiry only after you accept a loan offer.

The Economic Justice Fund offers fixed interest rates that vary based on credit determination, income, verification of information provided, and other eligibility factors. Standard APRs generally range from 9.99% to 35.99%, depending on the applicant and applicable state law.

Promotional interest rates, including temporary 0% interest periods, may be offered for certain programs and do not apply for the full loan term unless expressly stated. Not all applicants qualify for the lowest rates.

We offer flexible loan terms ranging from 3 – 7 years for monthly payments that fit your budget with an affordable repayment option. We will work with you to determine the term that is appropriate for you.

You are welcome to repay the loan early without a prepayment penalty or fee.

We charge no prepayment penalties or payoff fees. 

APR, or Annual Percentage Rate, represents the total annual cost of borrowing and includes the interest rate and any applicable fees. Because the Economic Justice Fund does not charge origination or disbursement fees, the APR generally reflects the interest rate applied to the loan.

The Economic Justice Fund offers fixed-rate loans. Standard APRs generally range from 9.99% to 35.99%, depending on credit determination, verification of information provided, and applicable state law.

Promotional interest rates, including temporary 0% interest periods, may be offered for certain programs and do not apply for the full loan term unless expressly stated. Not all applicants qualify for the lowest rates.

The example below is provided for illustrative purposes only to explain how APR works generally. It is not a loan offer and does not reflect the terms of an actual Economic Justice Fund loan. 

The Economic Justice Fund does not charge origination or disbursement fees. As a result, for our loans, the APR generally reflects the interest rate applied to the loan, subject to applicable law and program terms.

Actual loan amounts, interest rates, APRs, and terms offered by the Economic Justice Fund vary based on credit determination, verification of information provided, and applicable state law. Not all applicants qualify for the lowest rates or requested loan amounts.

Illustrative example only. The chart below explains how APR is calculated in general and does not represent the terms of an Economic Justice Fund loan. This example includes fees that the Economic Justice Fund does not charge.