1422 Euclid Avenue,, Cleveland, OH 44115

By appointment.

Loans are approved by committee and typically take five-10 business days to process from application date. Phone M-F: 9:00am-4:00pm for information and to apply. If applicant is eligible to apply, staff will send out the application. Once the application is completed, people can submit the required documents or send them via email.

No fee to apply for the loan. Funds borrowed from the agency must be paid back in monthly installments.

* Serves Cuyahoga, Geauga, Lake, Lorain, Mahoning, Medina, Portage, Summit, and Trumbull Counties. * Loans are not generally available to help with emergency situations. Eligible loans will help borrowers correct a situation but will not put a temporary fix on a larger issue. * Borrower must have enough income to pay all bills while paying the loan back in monthly installments. * Other adult members of borrower's household are considered co-applicants, and their income added to that of the applicant needs to be enough to pay all bills while paying back the loan. * In addition to the applicant (and co-applicant, if applicable), loans require one person (guarantor - someone who lives in Northeast Ohio in a separate household, who has income and the ability to pay back the entire loan if the borrower defaults). * Guarantors' income cannot be factored into any part of the income of applicants. * Applicants must not be eligible for a bank loan or other "traditional financing" but agency will consider applicants who have received notice they qualify for subprime loans with high interest (greater than 20% APR). * High credit scores are not expected of borrowers, but agency expects to see that borrowers attempt to pay their bills on time.