Small Loans for Individuals in Crisis

Capital Good Fund

U.S. Citizens and residents
Coming Soon

Capital Good Fund is a nonprofit, certified Community Development Financial Institution (CDFI) that helps people fix their finances. They are currently offering three small loan programs for individuals as well as personalized financial + health coaching to families in Rhode Island, Florida, Massachusetts, Illinois and Delaware. Their mission is to create pathways out of poverty and advance a green economy through inclusive financial services.


Crisis Relief Loan:

  • $300 - $1,500
  • 15-month term; no payments of interest or principal for the first three-months
  • 5% interest
  • Each application is reviewed based on pre-crisis income and expenses (typically, based on February 2020, or before)
  • No collateral required

Immigration Loan:

  • $2,000 - $20,000
  • 45-month term
  • 15.99% interest
  • No collateral required

Vehicle Purchase or Refinancing Loan:

  • $6,000 - $25,000
  • 60-month term
  • 7% - 17.99% interest, depending on application
  • Title to vehicle is used as collateral
  • For purchase or refinance of new or used vehicle
  • Max Loan-to-Value (LTV) or 115% for purchase and 130% for refinance

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  • An active banking account or eligible prepaid card with solid average daily balances and no-or-few overdraft in the past two-to-three-months
  • No minimum or maximum income or credit score
  • Applicant can have either a social security number or an ITIN (Immigrant Tax Identification Number)
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Actively Lending Now

Applicants are strongly encouraged to apply online: Crisis Relief Loan, Immigration Loan, Vehicle Purchase Loan, and Vehicle Refinancing Loan. You are also encouraged to try out Capital Good Fund’s pre-screening tool here.

All loans provided from Capital Good Fund:

  • Are reported to the three credit bureaus (TransUnion, Equifax, Experian)
  • Require no application fee, no closing fee, and no prepayment penalty
  • Entire process can be done online, in English or Spanish
  • Guaranteed decision within two business days of receiving a completed application
  • Interest rates are always fixed (no variable interest)

Crisis Relief Loans can be used for almost any purpose: rent, utilities, food, clothing, WiFi or cell bills, etc.

Immigration Loans can be used for all expenses associated with any immigration case or adjustment-of-status: citizenship, green card, family petition, deportation defense, detention bond, etc. Must work with an immigration attorney or BIA-accredited nonprofit representative.

Vehicle Purchase or Refinancing Loans can be used for purchase or refinance of new or used vehicle

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Capital Good Fund is a certified Community Development Financial Institution (CDFI). CDFIs  are mission-driven financial institutions that are dedicated to providing financial services to meet the needs of economically disadvantaged individuals within underserved communities.

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