Personal financing in Lane County.
County-by-county financing guides. No paperwork. No social. No ID.
7 institutions are headquartered inside the Lane County line, Eugene included, and 3 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingHome Financing
The doors in Lane 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.
- Emerald Empire Credit UnionPersonal · Home · Business capital
- Eweb Employees Credit UnionPersonal · Home
- Gateway Credit UnionPersonal · Home
- Oregon Community Credit UnionPersonal · Home · Business capital
- Pacific Cascade Credit UnionCDFI-certifiedPersonal · Home
- IN THIS LIST
4 of the 13 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Selco Community Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Community LendingWorksCommunity lending · Business capital
Based elsewhere, with a member-facing office inside the Lane County line. You can walk in.
- Central Willamette Credit UnionCDFI-certifiedPersonal · Home · Business capital
- First Community Credit UnionPersonal · Home · Business capital
- Peak 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 Lane County residents — including solo contractors, small investors, and Spanish-speaking community members — understand personal financing options available locally. It highlights credit unions, CDFIs, and ITIN-friendly lenders that actually serve Eugene, Springfield, and the broader Lane County area. Federal programs are useful context, but local intermediaries are your strongest starting point. Take your time, compare options, and never feel pressured to sign anything quickly.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Central Willamette Credit Union · Pacific Cascade 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.
Central Willamette Credit Union · Emerald Empire Credit UnionSame county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN LANE COUNTY →
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN LANE COUNTY →32OR COUNTIES WITH DOORSThe whole stateEvery county in Oregon, in this same lane.47 institutions fund personal financing inside Oregon county lines.OPEN THE STATE →
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