339 of the 1,268 certified CDFIs publish interest rates on their own websites. For small-business loans, the median low end of the stated range is 7% and the median high end 10% (52 lenders). For personal loans, the median stated APR runs from 10% to 10.49% (73 lenders that state an APR). These are published rates, not offers: your rate depends on the lender's review.
Stated rates by loan type
| Loan type | Lenders stating a rate | Median low end | Median high end |
|---|---|---|---|
| Auto / vehicle loans (APR) | 74 | 4.99% | 5% |
| Personal / consumer loans (APR) | 73 | 10% | 10.49% |
| Small-business loans | 52 | 7% | 10% |
| Microloans | 29 | 6% | 8% |
| Home mortgages (APR) | 17 | 5.89% | 6.25% |
| Credit-builder loans (APR) | 11 | 8.99% | 8.99% |
| Agriculture / farm loans | 10 | 4.5% | 6% |
Lowest stated small-business rates
The ten lowest low ends, each with the lender's own words. Low published rates often belong to special programs with conditions; read the source page.
- Bridging Virginia Inc (Loan fund, VA):
will administer $10,000- $75,000 loans at 0% to local small businesses along with coaching services
/resources/loan-fund-for-henrico-based-l… - Women's Economic Self-Sufficiency Team (Loan fund, NM):
Fixed interest rates vary from 0% to 9%, and all approved loans MAY carry up to a 5% loan fee.
/lending - BORDERPLEX COMMUNITY CAPITAL, INC (Loan fund, TX):
For loans up to $50,000 for small businesses operating inside the boundaries of the City of El Paso and/or Town of Anthony,Texas, we offer a special rate of 2%.
/ - Brooklyn Alliance Capital, Inc. (Loan fund, NY):
Loans of up to $50,000 are available to established businesses seeking growth capital, with interest rates ranging from 2% to 5%.
/services/financing - Nebraska Enterprise Fund (Loan fund, NE):
2% Loan (Recover): Up to $100,000 (PHASE 3)
/streetcar - Rural Nevada Development Corporation (Loan fund, NV):
with a fixed interest rate of 2% that increases to 3.75% after two years
/i-80-fund - Inclusive Action for the City (Loan fund, CA):
3% interest rate
/tierra-loan-product - Invest PGH Inc. (Loan fund, PA):
Fixed interest rate of 3%
/smal - Community Assets for People (Loan fund, WI):
Rates and terms are determined by the business and need but generally fall in a 4 – 8% range.
/our-services/realestate/cafp - Renaissance Economic Development Corporation (Loan fund, NY):
4-6% fixed interest rate
/loan-capital-new-jersey
Personal loan APRs by lender type
| Lender type | Lenders | Median lowest APR |
|---|---|---|
| Credit unions | 70 | 9.99% |
Most CDFIs that publish personal loan rates are credit unions, which post rate tables for members.
How long you get to repay
| Loan type | Lenders stating a term | Median longest term |
|---|---|---|
| Auto / vehicle loans | 130 | 84 months |
| Personal / consumer loans | 108 | 60 months |
| Small-business loans | 65 | 60 months |
| Home mortgages | 35 | 360 months |
| Microloans | 34 | 60 months |
| Credit-builder loans | 29 | 24 months |
| SBA-backed loans (7(a)/504/Community Advantage) | 22 | 300 months |
| Home repair / improvement loans | 20 | 150 months |
| Commercial real estate loans | 19 | 180 months |
| Energy / solar / efficiency loans | 12 | 180 months |
Who qualifies: rules lenders state
Counts of lenders whose own pages state each rule (460 lenders state at least one). A rule not stated is not the same as no rule.
| Rule | Lenders |
|---|---|
| Low or damaged credit considered | 170 |
| Membership required | 140 |
| Collateral flexible or not always required | 120 |
| Collateral required | 114 |
| No or thin credit history considered | 82 |
| First-time homebuyer program | 77 |
| Income limit applies | 65 |
| Minimum credit score | 53 |
| Business plan required | 45 |
| Training or counseling required | 38 |
| Homebuyer education required | 31 |
| ITIN accepted | 29 |
| Minimum time in business | 16 |
53 lenders publish a minimum credit score; the median is 620, the lowest 500 and the highest 760.
Each lender's page shows its own stated rates, terms and rules with the quote and source link. To find lenders that lend where you live, use the finder or see CDFI loans with bad credit and ITIN lenders.
Questions
What interest rate do CDFIs charge on small-business loans?
Among 52 CDFIs that publish one, the stated range runs from a median low end of 7% to a median high end of 10%. Your rate depends on the lender's review.
What about personal loans?
73 CDFIs publish a personal loan APR; the median low end is 10% APR and the median high end 10.49% APR.
Is there a minimum credit score?
Most CDFIs do not publish one. 53 do, with a median of 620; 170 say they consider borrowers with low or damaged credit.
Are these rates offers?
No. They are what each lender published on its website on the date shown on its page. Rates change and depend on the borrower; confirm with the lender.
Not financial advice. CDFI Atlas is not a lender and is not affiliated with the CDFI Fund. Lender terms change: confirm with the lender.
Sources
- CDFI Fund: CDFI Certification, read 3 Nov 2026
Lender data: the CDFI Fund list of certified CDFIs as of 21 Oct 2026 and the lenders' own websites, read 29 Oct 2026–4 Nov 2026 (each lender page shows its own date). Method: About and methodology.