Personal financing in Palm Beach County.
County-by-county financing guides. No paperwork. No social. No ID.
7 institutions are headquartered inside the Palm Beach County line, and 6 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingHome Financing
The doors in Palm Beach County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- First Choice Credit UnionPersonal · Home
- Gold Coast Credit UnionPersonal · Home
- Guardians Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Ithink Financial Credit UnionPersonal · Home · Business capital
- South Atlantic Credit UnionPersonal · Home
- IN THIS LIST
3 of the 16 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Detroit Rehabilitation Initiatives LLCCommunity lending · Business capital
- Palm Beach County Black Business Investment CorporationCommunity lending · Business capital
Based elsewhere, with a member-facing office inside the Palm Beach County line. You can walk in.
- Baptist Health South Florida Credit UnionMinority depositoryPersonal · Home
- Dort Financial Credit UnionPersonal · Home · Business capital
- Power Financial Credit UnionPersonal · Home · Business capital
- Publix Employees Credit UnionPersonal · Home · Business capital
- Space Coast Credit UnionPersonal · Home · Business capital
- NO SOCIAL SECURITY NUMBER
3 of these doors accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
- Tropical Financial Credit UnionPersonal · Home · Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
This guide helps solo contractors, small real-estate investors, and working families in Palm Beach County, Florida understand their personal financing options. It highlights local lenders, credit unions, CDFIs, and ITIN-friendly institutions that truly serve this community — not just national programs. Whether you are building credit, funding a project, or buying your first home, there are trustworthy local resources available to you. Take your time, compare your options, and never rush into a loan agreement.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Guardians Credit Union · Detroit Rehabilitation Initiatives LLCOwned by their members, not by shareholders. They look at your whole story rather than a score, and that is the difference when a bank says no.
Baptist Health South Florida Credit Union · Dort Financial Credit UnionSame county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN PALM BEACH COUNTY →
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN PALM BEACH COUNTY →63FL COUNTIES WITH DOORSThe whole stateEvery county in Florida, in this same lane.114 institutions fund personal financing inside Florida county lines.OPEN THE STATE →
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