Personal financing in Suffolk County.

County-by-county financing guides. No paperwork. No social. No ID.

26 institutions are headquartered inside the Suffolk County line, Boston included, and 7 more keep a branch here. Below, we say which is which.

See the 33 doors Ask a question

Not this lane? Business FinancingHome Financing

In this county33DOORS INSIDE THE COUNTY LINE

26HEADQUARTERED HERE

18FUND THIS LANE HERE

1OF THOSE, CDFI-CERTIFIED

THE DIRECTORY

The doors in Suffolk 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.

THE MAP OF DOORSMassachusetts

Suffolk County

33: DOORS HERE
26: BASED HERE
12: MA COUNTIES WITH DOORS

At a glance

Lane: Personal Financing
County: Suffolk County · 798K residents
State: Massachusetts →
Covers: Boston
Institutions: 3633 inside the county line · 26 headquartered here

LEER ESTO EN ESPAÑOL

No agenda

We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.

Based here vs. serves here

A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.

Where this comes from

Every institution on this page comes from public federal data — the CDFI Fund certified list (Jan 2026), NCUA credit union data (Mar 2026), and the SBA microloan intermediary list — plus a short national tier we verified by hand. No listing is paid.

Headquartered in Suffolk County26

600 Atlantic Credit UnionBoston · Credit union
Personal · Home
Boston Firefighters Credit UnionDorchester · Credit union
Personal · Home · Business capital
Chelsea Employees Credit UnionChelsea · Credit union
Personal · Home
City of Boston Credit UnionSouth Boston · Credit union
Personal · Home · Business capital
Energy Credit UnionWest Roxbury · Credit union
Personal · Home
IN THIS LIST
16 of the 36 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
First Priority Credit UnionBoston · Credit union
Personal · Home · Business capital
Mass Bay Credit UnionSouth Boston · Credit union
Personal · Home · Business capital
Metro Credit UnionChelsea · Credit union
Personal · Home · Business capital

Show the other 18Show fewer

New England Lee Credit UnionMinority depositoryBoston · Credit union
Personal · Home
OneUnited BankBoston · CDFI bank
Personal · Business capital
Revere Firefighters Credit UnionRevere · Credit union
Personal · Home
American Community CapitalBoston · CDFI loan fund
Community lending · Business capital
Aura Mortgage AdvisorsBoston · CDFI loan fund
Community lending · Business capital
BlueHub Loan Fund IncBoston · CDFI loan fund
Community lending · Business capital
Boston Impact Initiative Fund II LLCJamaica Plain · CDFI loan fund
Community lending · Business capital
Children's Investment Fund, Inc.Boston · CDFI loan fund
Community lending · Business capital
Community Health Center Capital Fund, Inc.Boston · CDFI loan fund
Community lending · Business capital
Dorchester Bay Neighborhood Loan Fund, Inc.SBA microlenderDorchester · CDFI loan fund
Community lending · Business capital
Housing Partnership Fund, Inc., TheBoston · CDFI loan fund
Community lending · Business capital
Local Enterprise Assistance Fund, Inc.Boston · CDFI loan fund
Community lending · Business capital
Massachusetts Housing Investment CorporationBoston · CDFI loan fund
Community lending · Business capital
MentorWorks Education Capital, Inc.Boston · CDFI loan fund
Community lending · Business capital
Mhic, LLCBoston · CDFI loan fund
Community lending · Business capital
New Hope Community Capital, Inc.Boston · CDFI loan fund
Community lending · Business capital
The Housing Partnership Network, Inc.Boston · CDFI loan fund
Community lending · Business capital
BCLF Ventures II, LLCBoston · CDFI venture fund
Business capital

Keeps a branch in Suffolk County7

Based elsewhere, with a member-facing office inside the Suffolk County line. You can walk in.

Brightbridge Credit UnionLawrence · Credit union
Personal · Home · Business capital
Harvard Credit UnionCambridge · Credit union
Personal · Home
Messiah Baptist-Jubilee Credit UnionMinority depositoryBrockton · Credit union
Personal
River Works Credit UnionLynn · Credit union
Personal · Home · Business capital
St. Jean's Credit UnionLynn · Credit union
Personal · 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.
Tremont Credit UnionBoston · Credit union
Personal · Home · Business capital

Show the other 1Show fewer

Webster First Credit UnionWorcester · Credit union
Personal · Home · Business capital

National — works with an ITIN3

Mission Asset FundAccepts ITINSan Francisco · National nonprofit lender
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal
Accion Opportunity FundAccepts ITINSan Jose · National nonprofit lender
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital
Grameen AmericaAccepts ITINNew York · National nonprofit lender
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital

A porch at dusk, string lights on, two chairs pulled up — OPEN DOORS IN SUFFOLK COUNTY2 minority depositories

THE GUIDE

This guide helps solo contractors, small real-estate investors, and working families in Suffolk County, Massachusetts understand their personal financing options. We highlight local credit unions, community development financial institutions (CDFIs), and ITIN-friendly lenders that actually serve Boston, Chelsea, Revere, and Winthrop. Federal programs provide useful context, but the real help is found at the local and state level. Take your time, compare your options, and never let anyone pressure you into signing something you do not fully understand.

WHO SAYS YES HERE

16CDFIs

Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.

OneUnited Bank · American Community Capital

17Credit unions

Owned 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.

600 Atlantic Credit Union · Boston Firefighters Credit Union

FROM HERE

Same county, another question.

A worn carpenter's bench at first light, hand tools and gloves laid out

Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN SUFFOLK COUNTY →

Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN SUFFOLK COUNTY →12MA COUNTIES WITH DOORSThe whole stateEvery county in Massachusetts, in this same lane.63 institutions fund personal financing inside Massachusetts county lines.OPEN THE STATE →

The Massachusetts counties with the most doors of this kind

Middlesex County18 doors Essex County12 doors Bristol County11 doors Worcester County9 doors Hampden County8 doors Norfolk County6 doors Plymouth County5 doors Hampshire County4 doors

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Answered in English and SpanishNo account. No name.3,143 counties · 3,532 institutions