Personal financing in Chittenden County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Chittenden 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 Chittenden 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
- 3
- VT COUNTIES WITH DOORS
- Lane
- Personal Financing
- People
- 168Kresidents of Chittenden County
- Covers
- Burlington
- Elsewhere in VT
- Washington County →3 doors — the biggest list of any other county in Vermont
- State
- Vermont →3 of 14 counties hold a door in this lane
Based elsewhere, with a member-facing office inside the Chittenden County line. You can walk in.
- Sea Comm Credit UnionPersonal · Home · Business capital
- Vermont Community Loan Fund, Inc.SBA microlenderCommunity lending · Business capital
- Brattleboro Development Credit CorpBusiness capital
- Community Capital of Vermont, Inc. (CCVT)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 - 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 solo contractors, self-employed workers, and small real-estate investors in Chittenden County, Vermont understand their personal financing options. It focuses on the local lenders, credit unions, CDFIs, and community programs that actually serve Burlington and the surrounding towns — not just big national banks. Whether you have a traditional credit history or not, there are real, trustworthy pathways to borrowing money here. Take your time, compare your options, and never feel pressured to sign anything before you're ready.
- 1
- DOORS HERE
- 3
- ACROSS VT
Based in Massena, 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. Vermont 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 TAX3.35% – 8.75%
What the state takes off what you earn, before anyone works out what payment you can carry.
- SALES TAX6.0% state · 0.37% 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$74K
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 LIVING115.4
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
1 door sit inside the Chittenden 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
3 of Vermont's 14 counties hold a door in this lane. If Chittenden 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 CHITTENDEN COUNTY →
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN CHITTENDEN COUNTY →3VT COUNTIES WITH DOORSThe whole stateEvery county in Vermont, in this same lane.3 institutions fund personal borrowing inside Vermont 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.