Personal financing in Davis County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Davis County line, but 9 keep an office open here. They are below, by name and by town.
Not this lane? Business FinancingHome Financing
The doors in Davis 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.
- 9
- DOORS HERE
- 0
- BASED HERE
- 22
- UT COUNTIES WITH DOORS
- Lane
- Personal Financing
- People
- 363Kresidents of Davis County
- Covers
- Layton
- Elsewhere in UT
- Salt Lake County →30 doors — the biggest list of any other county in Utah
- State
- Utah →22 of 29 counties hold a door in this lane
Based elsewhere, with a member-facing office inside the Davis County line. You can walk in.
- America First Credit UnionPersonal · Home · Business capital
- Canyon View Credit UnionPersonal · Home · Business capital
- Cyprus Credit UnionPersonal · Home · Business capital
- Deseret First Credit UnionPersonal · Home · Business capital
- Goldenwest Credit UnionPersonal · Home · Business capital
- Granite Credit UnionPersonal · Home · Business capital
Show the other 3Show fewer
- Mountain America Credit UnionPersonal · Home · Business capital
- Security Service Credit UnionPersonal · Home · Business capital
- Utah First 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
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 (Mar 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 Davis County residents — including solo contractors, small investors, and Spanish-speaking neighbors — understand personal financing options available right here in their community. We focus on the local intermediaries: credit unions, CDFIs, and ITIN-friendly lenders who actually serve Bountiful, Layton, Kaysville, and the rest of Davis County. Federal programs like FHA or SBA loans are useful context, but your first call should be to a local partner who knows your neighborhood. Take your time, compare your options, and never let anyone rush you into signing anything.
- 9
- DOORS HERE
- 36
- ACROSS UT
Based in Riverdale, Utah. 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.Based in Salt Lake City, Utah. A member-owned credit union, which means the people deciding on your file answer to depositors in the same towns you work in.
BEST FORBuying, repairing or refinancing a home, and working capital, equipment and payroll for a small business.Based in West Jordan, Utah. A credit union: no shareholders to satisfy, and a habit of reading a whole story rather than a single score.
BEST FORWorking capital, equipment and payroll for a small business, and a personal loan, or building a credit file from nothing.Based in Salt Lake City, Utah. 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.Everything below is set by Utah, and it reads the same in every county in it. The 9 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
None of this is set by a lender. Utah 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 TAX4.55% flat
What the state takes off what you earn, before anyone works out what payment you can carry.
- SALES TAX4.85% state · 2.22% 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$87K
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 LIVING102.4
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
9 doors sit inside the Davis County line. They are up the page, by name and by town — and none of them paid to be there.
- 02
9 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
22 of Utah's 29 counties hold a door in this lane. If Davis 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 DAVIS COUNTY →
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN DAVIS COUNTY →22UT COUNTIES WITH DOORSThe whole stateEvery county in Utah, in this same lane.36 institutions fund personal borrowing inside Utah 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.