Personal financing in Yates County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Yates County line, but 1 keep an office open here. They are below, by name and by town.
Not this lane? Business FinancingHome Financing
The doors in Yates 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.
- 1
- DOORS HERE
- 0
- BASED HERE
- 57
- NY COUNTIES WITH DOORS
- Lane
- Personal Financing
- People
- 25Kresidents of Yates County
- Elsewhere in NY
- New York County →51 doors — the biggest list of any other county in New York
- State
- New York →57 of 62 counties hold a door in this lane
Based elsewhere, with a member-facing office inside the Yates County line. You can walk in.
- Servu Credit UnionPersonal · Home
- Adirondack Economic Development CorporationSBA microlenderCommunity lending · Business capital
- Ascendus Inc.SBA microlenderCommunity lending · Business capital
- BOC Capital Corp.SBA microlenderCommunity lending · Business capital
- Business Consortium Fund, Inc.Community lending · Business capital
- Community Capital New York, IncSBA microlenderCommunity lending · Business capital
- Harlem Entrepreneurial Fund, LLCSBA microlenderCommunity lending · Business capital
- PathStone Enterprise Center, Inc.SBA microlenderCommunity lending · Business capital
- Renaissance Economic Development 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
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
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.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
This guide helps Yates County residents — including solo contractors, small investors, and Spanish-speaking community members — understand personal financing options that are available locally. It focuses on community-rooted lenders, credit unions, and nonprofit financial organizations that actually serve the Finger Lakes region. Federal programs are mentioned for context, but the real help often starts with a local intermediary who knows your situation. Take your time, compare your options, and never feel pressured to sign anything quickly.
- 1
- DOORS HERE
- 142
- ACROSS NY
Based in Painted Post, New York. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.The rules where you are.
None of this is set by a lender. New York sets it, and it applies the same in every county in the state — which is why it is worth knowing before you knock on any of the doors above.
- STATE INCOME TAX4.0% – 10.9%
What the state takes off what you earn, before anyone works out what payment you can carry.
- SALES TAX4.0% state · 4.5% avg local
What you pay on top of every purchase. On a small loan for a repair or a tool, this is a real part of the total.
- MEDIAN HOUSEHOLD INCOME$82K
Half the households in the state earn less than this. A lot of the programs above use that number to decide who qualifies.
- COST OF LIVING125.1
National index, where 100 is the country's average. Under 100 means your money goes further here.
Sources: Tax Foundation 2025 · Census ACS 5-year 2023 · BEA/MERIC COLI 2024 · Zillow 2026-Q1. As of 2026-04.
The short version.
- 01
1 door sit inside the Yates County line. They are up the page, by name and by town — and none of them paid to be there.
- 02
1 of them are credit unions — owned by their members rather than by shareholders, and used to reading a whole story instead of a score.
- 03
This page did not ask you for a name, an email, or a number, and nothing on it changes based on who you are.
- 04
57 of New York's 62 counties hold a door in this lane. If Yates County does not have the one you need, the whole state is one click away.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN YATES COUNTY →
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN YATES COUNTY →57NY COUNTIES WITH DOORSThe whole stateEvery county in New York, in this same lane.142 institutions fund personal borrowing inside New York 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.