Consumer Lending
Fostering Economic Prosperity
Term
Up to 12 Months
Employee Loan Up to 36 Months
Rates
Fixed Interest Rate, 15% per annum.
Employee Loan Fixed Interest Rate, 13-15%
Our mission is to bolster our community by equipping it with the necessary resources for fostering economic prosperity. We are unwavering in our commitment to assist clients in comprehending their financial choices while enhancing the financial stability of our communities. Rooted in our core strategy are impactful programs and active community engagement. We invest significantly in cultivating holistic solutions and providing dependable tools to empower those in need, ensuring a transformative impact where it matters most.
Credit Builder Loan
The Credit Builder Loan is meticulously crafted to elevate your financial standing. Specifically tailored to aid in building credit, this unique loan opportunity enables you to establish a credit history, lower interest rates, enhance your credit score, settle collection debts, and consolidate existing debts. It's not just a loan; it's a strategic step towards a stronger, more secure financial future.
Individual Consumer Loan
At Nimiipuu Fund, our commitment to community development extends to empowering individuals through consumer lending. This initiative represents a pivotal focus for us, driving significant positive change within our community. As a non-profit organization, our success is deeply rooted in these endeavors. We invite you to join us in making a difference. Apply today for our consumer lending program, lending a helping hand towards a brighter future for us all.
Employee Loan
Our Employee Loan Program aims to assist with debt consolidation and other urgent financial needs arising from current uncertainties. Recognizing the importance of breaking free from the cycle of high-interest payday loans and mounting debts, our program collaborates closely with Tribal Payroll Departments to establish a sensible repayment plan via payroll deductions, offering a supportive and manageable way to regain financial stability.
Verifiable Income and credit review. Complete or have completed financial course in last 2 years. Financial Education may be required for some consumer loans (Credit Builder) and if Nimiipuu Fund staff determine whether there is a need for financial coaching or education. Includes one-on-one education and financial coaching session with Nimiipuu Fund staff. $30 application fee. Open to all individuals living on or near the Nez Perce Reservation including areas in Idaho, Oregon, and Washington. Employee Loan open to all employees working for the Nez Perce Tribal Government, Nez Perce Tribal Housing Authority, Nimiipuu Health Clinic, and Nez Perce Tribal Enterprises. Verify income, credit review, and length of employment review required to apply. Employee Loan may necessitate financial education or coaching, a determination made by Nimiipuu Fund staff based on individual circumstances.
Our support doesn’t stop at access to capital
We understand the importance of financial literacy, which is why we offer a range of comprehensive financial classes tailored to your specific needs. Our one-on-one coaching sessions provide you with individualized attention, helping you navigate the complexities of personal finance, credit building, and effective budgeting. With our expert guidance and a wealth of budgeting tools at your disposal, you can confidently take control of your financial future and work towards achieving your goals.