Instant pre-qualification

We only 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 may perform a hard credit inquiry only after you accept a loan offer.

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.

We offer loans ranging from $2,500 – $25,000.

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.

Applicants typically need to have a FICO Credit Score above 650. If you don’t know your FICO Credit Score, please first obtain a free credit report at AnnualCreditReport.com. This is the only website authorized by the federal government to issue free annual credit reports.

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

We provide low, fixed interest rates based on various factors, including an applicant’s employment and payment history, income, and credit report. The fixed interest rates are as low as 9.9%.

We offer flexible loan terms ranging from 3 – 6 years for monthly payments that fit your budget with an affordable repayment option.

Loan funds are transferred by ACH and deposited on the next business day if the loan agreement is completed before 5 p.m. PT Monday through Friday, excluding holidays. If the loan agreement is completed after 5 p.m. 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.

Our loan application process is quick and easy. You can prequalify in less than a minute and complete the online application form in just a few minutes. During the application process, you may need to upload documents to provide proof of income (such as recent paychecks) and bank account information.

There are no prepayment penalties or payoff fees. You can always pay your loan off early with no fees.

APR shows 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.