HAPCAP has partnered with OUCU Financial to offer a Microloan program for Hocking, Athens, & Perry County residents. This loan program is for a one­time expense not exceeding $1,500. Applicants must have 30 days of a stable income within an ability to repay and participate in financial empowerment sessions. Eligible Expenses include: - Car repair on a vehicle owned and insured by the applicant - Paying off a payday or car title loan - Home repair on applicant-owned home - Medical expenses not covered by insurance - A one-time educational or certification expense - Deposit for a home or apartment.

The MicroLoan program is designed to offer small loans of up to $1200 that are repaid by the borrower at a very low interest rate. Eligible expenses include: - Car Expenses - Education Expense - Health Expense - Emergency Home Equipment Expense (unlivable situation) - Other Extraordinary Expenses. (loans are not made for regular living expenses). Repayment of the loan helps borrowers establish or improve their credit score/history. The MicroLoan program can serve as a good alternative to predatory lending companies that charge a very high interest rate and can trap the borrower in a cycle of debt. Financial planning training is required to help the borrower establish a budget and manage money more effectively.

A micro loan for up to $1,500 may be able to assist with financial emergencies such as car repair, emergency medical bill, credit cards, etc. The loan is available at 3% interest and is a 12 month loan. The loan may be available to a family or family member, and can only assist with one loan at a time. Other restrictions may apply. Call for more information.

Licking County's program to provide funds for eligible projects in the Licking County area (excluding City of Newark). Projects must benefit low and moderate-income areas, or eliminate slum and blight conditions, and can include activities like construction and rehabilitation of neighborhood centers; replacement of water lines, sidewalk, bridges, streets; rehabilitation of low and moderate-income homeowners residences; park development, community planning services; downtown revitalization; code enforcement, etc.

The MicroLoan program is designed to offer small loans of up to $1000 that are repaid by the borrower at a very low interest rate. Eligible expenses include: - Car Repair - Education Expense - Pay off High Interest Loan (Predatory Loan) - Security Deposit - Medical Expense - Emergency Home Equipment Expense (unlivable situation - furnace, water heater, etc.) - Other Extraordinary Expenses. (loans are not made for regular living expenses) Repayment of the loan helps borrowers establish or improve their credit score/history. The MicroLoan program can serve as a good alternative to predatory lending companies that charge a very high interest rate and can trap the borrower in a cycle of debt. Financial planning training is required to help the borrower establish a budget and manage money more effectively.

Provides loans (below market rate interest) to purchase, rehabilitate, or construct commercial properties. Provides equipment and working capital loans for industrial and commercial development projects. Assists in the assembly of land parcels for industrial and commercial development (city of Dayton only).

Provides water well education and assessment for rural residents who rely on wells for water supplies. Also offers low-interest loans for well repair or replacement.

Provides a low interest (3%) loan to help families defray adoption expenses such as adoption agency expenses, court expenses, home studies, and travel expenses. Can loan up to $50,000 across 5 years.

Provides interest free loans up to $10,000 for people who meet the agency's eligibility requirements. Funds are available for small business, tuition, medical expenses, home improvements (including improvements that increase accessibility in a home), high-interest (predatory) debt on funds borrowed from other sources, and a variety of other needs. May include multiple debts into one loan request as long as amount requested does not exceed $10,000. Checks are written to the organization that is owed, not to the individual.

Provides small loans to older adults who may be struggling financially and provide an alternative to resorting to payday loans for relief. The longer-term goal is to conduct a financial assessment with these older adults, engage them in financial counseling/coaching and wraparound services that help improve financial capability (knowledge, skills and access to resources). The loans are from $300 to $1,000 and have zero interest or origination fees. The loan can be paid back in as little as one month or as long as 48 months with a maximum payment of $20.83 a month.

Assists refugees with applying for a zero-interest loan in order to establish a credit history or improve their credit score. Provides financial coaching within this program as well.

Provides interest-free loans. Includes: - Standard Loan of up to $10,000 for people who cannot access traditional financing. - Education Loan of up to $5,000 for: - Traditional 2 and 4 year degrees - Educational Loan of up to $10,000 for: - Graduate and post-graduate studies. - Certification programs. - Trade schools. - Coding boot camps and other accredited “short term” programs. - Study abroad programs. Business Loan of up to $20,000. Requires more documentation than other loans. There are agencies that can assist in process. Agency has a Uniform Commercial Code lien against business assets for the duration of the loan.