Personal financing in Salt Lake County.

County-by-county financing guides. No paperwork. No social. No ID.

17 institutions are headquartered inside the Salt Lake County line, and 13 more keep a branch here. Below, we say which is which.

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Not this lane? Business FinancingHome Financing

In this county30DOORS INSIDE THE COUNTY LINE

17HEADQUARTERED HERE

25FUND THIS LANE HERE

2OF THOSE, CDFI-CERTIFIED

THE DIRECTORY

The doors in Salt Lake 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.

THE MAP OF DOORSUtah

Salt Lake County

30: DOORS HERE
17: BASED HERE
22: UT COUNTIES WITH DOORS

At a glance

Lane: Personal Financing
County: Salt Lake County · 1.2M residents
State: Utah →
Institutions: 3330 inside the county line · 17 headquartered here

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No agenda

We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.

Based here vs. serves here

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.

Where this comes from

Every institution on this page comes from public federal data — the CDFI Fund certified list (Jan 2026), NCUA credit union data (Mar 2026), and the SBA microloan intermediary list — plus a short national tier we verified by hand. No listing is paid.

Headquartered in Salt Lake County17

American United Credit UnionWest Jordan · Credit union
Personal · Home · Business capital
Canyon View Credit UnionSalt Lake City · Credit union
Personal · Home · Business capital
Cyprus Credit UnionWest Jordan · Credit union
Personal · Home · Business capital
Deseret First Credit UnionWest Valley Cit · Credit union
Personal · Home · Business capital
Gibbons and Reed Employees Credit UnionSalt Lake City · Credit union
Personal
IN THIS LIST
6 of the 33 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
Granite Credit UnionSalt Lake City · Credit union
Personal · Home · Business capital
Hercules First Credit UnionSalt Lake City · Credit union
Personal · Home · Business capital
Lu 354 I B E W Credit UnionSalt Lake City · Credit union
Personal · Home

Show the other 9Show fewer

Mountain America Credit UnionSandy · Credit union
Personal · Home · Business capital
National J. A. C. L. Credit UnionMinority depositorySalt Lake City · Credit union
Personal · Home
Ridgeline Credit UnionSalt Lake City · Credit union
Personal · Home · Business capital
Utah First Credit UnionSalt Lake City · Credit union
Personal · Home · Business capital
Community Development Fund of UtahSalt Lake City · CDFI loan fund
Community lending · Business capital
Rocky Mountain Community Reinvestment CorporationSalt Lake City · CDFI loan fund
Community lending · Business capital
Suazo Business CenterSalt Lake City · CDFI loan fund
Community lending · Business capital
Utah Microenterprise Loan Fund (UMLF)Salt Lake City · CDFI loan fund
Community lending · Business capital
Utah Microenterprise Loan FundSalt Lake City · SBA microloan intermediary
Business capital

Keeps a branch in Salt Lake County13

Based elsewhere, with a member-facing office inside the Salt Lake County line. You can walk in.

Ambraw Credit UnionLawrenceville · Credit union
Personal
America First Credit UnionRiverdale · Credit union
Personal · Home · Business capital
Chartway Credit UnionVirginia Beach · Credit union
Personal · Home · Business capital
Goldenwest Credit UnionCDFI-certifiedOgden · Credit union
Personal · Home · Business capital
Hema Credit UnionSilver Spring · Credit union
Personal
NO SOCIAL SECURITY NUMBER
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.
Ironworkers Usa Credit UnionCDFI-certifiedPortland · Credit union
Personal · Home

Show the other 7Show fewer

Norfolk Fire Department Credit UnionNorfolk · Credit union
Personal · Home
Operating Engineers Local Union #3 Credit UnionLivermore · Credit union
Personal · Home · Business capital
Security Service Credit UnionSan Antonio · Credit union
Personal · Home · Business capital
Sonoma Credit UnionSanta Rosa · Credit union
Personal · Home
Steuben Citizens Credit UnionBath · Credit union
Personal · Home
Tru Credit UnionGreenwood · Credit union
Personal · Home
Utah Community Credit UnionProvo · Credit union
Personal · Home · Business capital

National — works with an ITIN3

Mission Asset FundAccepts ITINSan Francisco · National nonprofit lender
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal
Accion Opportunity FundAccepts ITINSan Jose · National nonprofit lender
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital
Grameen AmericaAccepts ITINNew York · National nonprofit lender
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital

A porch at dusk, string lights on, two chairs pulled up — OPEN DOORS IN SALT LAKE COUNTY1 minority depositories

THE GUIDE

This guide helps solo contractors, small investors, and working families in Salt Lake County, Utah understand their personal financing options — from personal loans and lines of credit to ITIN-based lending. It highlights the local institutions that actually serve this community, including credit unions, CDFIs, and ITIN-friendly lenders. It also explains Utah-specific rules and warns against common predatory traps. Origen Capital is a directory, not a lender — we help you find the right door to knock on.

WHO SAYS YES HERE

6CDFIs

Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.

Goldenwest Credit Union · Ironworkers Usa Credit Union

25Credit unions

Owned 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.

Ambraw Credit Union · America First Credit Union

FROM HERE

Same county, another question.

A worn carpenter's bench at first light, hand tools and gloves laid out

Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN SALT LAKE COUNTY →

Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN SALT LAKE COUNTY →22UT COUNTIES WITH DOORSThe whole stateEvery county in Utah, in this same lane.36 institutions fund personal financing inside Utah county lines.OPEN THE STATE →

The Utah counties with the most doors of this kind

Utah County10 doors Davis County9 doors Washington County9 doors Cache County8 doors Weber County7 doors Tooele County5 doors Box Elder County4 doors Iron County3 doors

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Answered in English and SpanishNo account. No name.3,143 counties · 3,532 institutions