A Better Option in Personal Loans
Consumer Lending
Building Financial Strength in Alaska Native Communities
For too long, Alaska Native families have faced limited choices when life's unexpected costs arise—relying on high-interest payday lenders or going without essentials. At Cook Inlet Lending Center, we believe our people deserve better. As a Native CDFI serving Alaska Native and American Indian borrowers since 2001, we created our consumer lending programs to honor who we are and the values we hold as Alaska Native communities.
Our consumer loans aren't just about providing access to capital—they're about creating pathways to financial stability and opportunity. Whether you're building credit for the first time, consolidating expensive debt, or covering an emergency expense, CILC offers safe, affordable solutions designed with your long-term financial wellbeing in mind.
We know the challenges Alaska Native families face because we're part of your community. That's why our programs come with the support, respect, and cultural understanding you deserve.
Consumer
Loan Options
-
The Credit Builder Loan is designed to help you establish or improve your credit score—perfect for those starting their credit journey or rebuilding after financial setbacks.
What makes this program special:
Loan amounts up to $1,000
Your payments are reported to all three major credit bureaus, building your credit with every on-time payment
Funds are securely held and returned to you once the loan is fully repaid
Bonus: Qualify for up to 50% loan forgiveness by making on-time payments and participating in free monthly financial coaching
Who can apply: Alaska Native individuals (including enrolled tribal members and shareholders of an Alaska Native Corporation) who want to build or strengthen their credit profile.
This is more than a loan—it's an investment in your financial future with guidance and support every step of the way.
-
Safe, Affordable Options When You Need Them Most
Life doesn't always go as planned. When unexpected costs arise or you're facing high-interest debt, the Small Dollar Consumer Loan provides a responsible alternative to predatory lenders.
Designed for Alaska Native families who need:
Emergency expense coverage
Debt consolidation to escape expensive payday or title loans
Essential purchases that can't wait
What to know:
Available to Alaska Native residents with verifiable income
Loan amounts and terms designed for affordability and long-term financial stability
Credit score reviewed but not an automatic barrier—we look at your whole financial picture
No legal obligations (tax liens, garnishments, or open non-medical collections)
This loan is built on the understanding that everyone deserves access to fair financial options during challenging times. We're here to help you move forward, not hold you back.