Personal financing in Bedford County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Bedford County line, but 3 keep an office open here. They are below, by name and by town.
Not this lane? Business FinancingHome Financing
The doors in Bedford 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.
Based elsewhere, with a member-facing office inside the Bedford County line. You can walk in.
- Beacon Credit Union, IncorporatedPersonal · Home · Business capital
- Central Virginia Credit UnionPersonal · Home · Business capital
- Virginia 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 Bedford County residents — including solo contractors, small-business owners, and Spanish-speaking community members — understand personal financing options available locally. It covers who qualifies, what documents you need, which local lenders and CDFIs actually serve this area, Virginia-specific rules, and how to protect yourself from predatory lending. Origen Capital is a directory, not a lender, and this guide does not collect your personal information.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN BEDFORD COUNTY →
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN BEDFORD COUNTY →74VA COUNTIES WITH DOORSThe whole stateEvery county in Virginia, in this same lane.87 institutions fund personal financing inside Virginia 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.

