Personal financing in Washoe County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Washoe County line, but 5 keep an office open here. They are below, by name and by town.
Not this lane? Business FinancingHome Financing
The doors in Washoe 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.
Based elsewhere, with a member-facing office inside the Washoe County line. You can walk in.
- America First Credit UnionPersonal · Home · Business capital
- Mountain America Credit UnionPersonal · Home · Business capital
- Operating Engineers Local Union #3 Credit UnionPersonal · Home · Business capital
- United Credit UnionPersonal · Home · Business capital
- Weststar Credit UnionPersonal · Home
- 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 investors, and working families in Washoe County, Nevada understand their personal financing options. It highlights local credit unions, community development lenders, and ITIN-friendly institutions that actually serve Reno, Sparks, and surrounding communities. Federal programs are helpful context, but your best starting point is almost always a local intermediary who knows the Northern Nevada economy. Take your time, compare options, and never sign anything you don't fully understand.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN WASHOE COUNTY →
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN WASHOE COUNTY →8NV COUNTIES WITH DOORSThe whole stateEvery county in Nevada, in this same lane.10 institutions fund personal financing inside Nevada county lines.OPEN THE STATE →
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