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.

Equal Credit Opportunity Lender. Programs for Alaska Native borrowers are offered under a Special Purpose Credit Program (12 CFR §1002.8)

Consumer

Loan Options

Eligibility, terms, and forgiveness subject to credit and program approval. Equal Credit Opportunity Lender

  • The Credit Builder Loan is designed for people who are new to credit or have little to no active credit history.


    It can help establish on-time payment history and build a credit score from the ground up. This loan is not intended to repair damaged credit or pay off existing debt.

    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: May 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 Alaska Native Corporation shareholders, who want to build credit from the ground up.

    • This loan helps establish credit history over time. It is not intended to repair or rebuild damaged credit or provide immediate cash.

    Review Your Eligibility

  • A Fair, Affordable Option When You Need It Most

    Life does not always follow a budget. When unexpected expenses come up or high-interest debt starts to pile on, the Small Dollar Consumer Loan offers a regulated, lower-cost alternative to payday loans, title loans, and high-interest credit cards.

    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

    Important elements:

    • Available to Alaska Native individuals 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

    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.

    Apply Now