Personal financing in Howard County.
County-by-county financing guides. No paperwork. No social. No ID.
5 institutions are headquartered inside the Howard County line, and 2 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingHome Financing
The doors in Howard 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.
- City of Firsts Community Credit UnionPersonal · Home
- Haynes Community Credit UnionPersonal · Home
- Howard County School Em Credit UnionPersonal · Home · Business capital
- Indiana Heartland Credit UnionPersonal · Home
- Solidarity Community Credit UnionPersonal · Home · Business capital
Based elsewhere, with a member-facing office inside the Howard County line. You can walk in.
- Encompass Credit UnionPersonal · Home · Business capital
- Financial Center First 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
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.
This guide helps solo contractors, small-business owners, and everyday residents of Howard County, Indiana understand their personal financing options. It highlights local credit unions, CDFIs, and ITIN-friendly lenders that actually serve the Kokomo area — not just national programs. Whether you need a personal loan, a line of credit, or help rebuilding credit, this guide points you toward trustworthy, local places to start. Take your time, compare your options, and never feel pressured to sign anything quickly.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN HOWARD COUNTY →
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN HOWARD COUNTY →72IN COUNTIES WITH DOORSThe whole stateEvery county in Indiana, in this same lane.93 institutions fund personal financing inside Indiana county lines.OPEN THE STATE →
Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.