Personal financing in St Louis City.
County-by-county financing guides. No paperwork. No social. No ID.
7 institutions are headquartered inside the St Louis City line, and 4 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingHome Financing
The doors in St Louis City.
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.
- St. Louis Community Credit UnionCDFI-certifiedMinority depositoryPersonal · Home · Business capital
- West Side Baptist Church Credit UnionMinority depositoryPersonal
- Gateway Community Development Fund, Inc.Community lending · Business capital
- Great Rivers Community Capital, IncorporatedCommunity lending · Business capital
- International Institute CDCCommunity lending · Business capital
- IN THIS LIST
8 of the 14 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Technical Assistance CorporationCommunity lending · Business capital
- Urban Strategies IncCommunity lending · Business capital
Based elsewhere, with a member-facing office inside the St Louis City line. You can walk in.
- Alliance Credit UnionPersonal · Home · Business capital
- Alltru Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Neighbors Credit UnionPersonal · Home · Business capital
- Justine Petersen Housing & Reinvestment CorporationSBA microlenderCommunity lending · 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 real-estate investors, and working families in St. Louis City, Missouri understand their personal financing options. It highlights local CDFIs, credit unions, and ITIN-friendly lenders that actually serve the St. Louis community — not just national programs. Whether you are building credit, buying a home, or covering a short-term gap, there are trustworthy local resources to help you move forward at your own pace.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Alltru Credit Union · St. Louis Community Credit UnionOwned 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.
Alliance Credit Union · Alltru Credit UnionSame county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN ST LOUIS CITY →
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN ST LOUIS CITY →42MO COUNTIES WITH DOORSThe whole stateEvery county in Missouri, in this same lane.45 institutions fund personal financing inside Missouri 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.