At a glance
From its website, read 2 Nov 2026Apoyo Financiero Inc. is a loan fund based in Concord, California. Its website describes personal loans and small-business loans. Stated loan amounts run from $750 to $15,000. Consumer loan APRs stated on its site range from 29.21% to 35.93%. You can start an application online. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (800) 891-2778 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.apoyo-financiero.com |
| Office (official list) | 2300 Clayton Road, Suite 1170, Concord, CA 94520 |
What their website says about applying
Puedes iniciar tu proceso presentando una identificación oficial vigente (ID oficial, matrícula consular o Pasaporte), comprobante de ingresos (cheque de tu empresa) y comprobante de domicilio.
source(Employer pay stubs or your Tax Returns)
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Personal / consumer loans | Rate: 29.21% APR | y un APR del 29.21% | source |
| Personal / consumer loans | Rate: 35.93% APR | un APR del 35.93% | source |
| Personal / consumer loans | Term: 4 mo–5 yr | Plazo del crédito: Desde 4 hasta un máximo de 60 meses. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Collateral flexible or not always required
No collateral required.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 22 Oct 2018 |
| RSSD ID | — (none listed) |
| Address | 2300 Clayton Road, Suite 1170, Concord, CA 94520 Directions (Google Maps) |
| Website | www.apoyo-financiero.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Commercial loans are mentioned only in general terms, with no product details or amounts. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Personal / consumer loans | $750 – $15,000 | Préstamos personales desde $750 hasta $15,000 dólares | source |
| Small-business loans | — | We are a company specialized in providing financial products, including personal loans and commercial loans. | source |
Loan sizes
Préstamos personales desde $750 hasta $15,000 dólares
sourcePersonal loans from $750 to $15,000 dollars
source
Range used for the size filter: $750 to $15,000
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- Spanish
Nuestras soluciones inteligentes ayudan a fortalecer tus finanzas y a darte confianza.
source
Online application
Yes — the site links to an application. Solicita tu Préstamo Personal Online
source
Pages read (7)
- https://www.apoyo-financiero.com/
- https://www.apoyo-financiero.com/es/prestamos-personales/
- https://www.apoyo-financiero.com/en/prestamos-personales/
- https://www.apoyo-financiero.com/es/?utm_source=search_engine&utm_medium=search&utm_campaign=seo&utm_content=redirect_sitioafi&term=idmedio_935
- https://www.apoyo-financiero.com/en/prestamos-personales-loan/
- https://www.apoyo-financiero.com/en/nuestra-empresa/
- https://www.apoyo-financiero.com/es/nuestra-empresa/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What interest rate and fees should I expect on your small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$2.9 million in 2 awards from the U.S. Treasury's CDFI Fund, 2022–2024 (CDFI Equitable Recovery Program; Small Dollar Loan Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Small Dollar Loan Program | $383,223 |
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $15,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 3% of these 184. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 3% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
Same loan type, nearby, lower stated rate
Certified CDFIs whose head office is within 50 miles of this one and whose own website states a starting rate at least 0.5 points lower for the same loan type. Consumer loans count only where both lenders state an APR. A starting rate is not an offer: ask each lender what you would pay, and check that it lends where you are (credit unions also require membership).
- Personal / consumer loans (this lender states from 29.21%): Mirastar Federal Credit Union from 2.10% (45 mi, read 2 Nov 2026)
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Stated rates: each lender's own website, read on the date shown.
Other certified CDFIs in Concord and California
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- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- American Nonprofits, Inc.Loan fund · Santa Cruz, CAVerified
- Arcata Economic Development CorporationLoan fund · Eureka, CACommercial real estate loans, Microloans, Small-business loansVerified
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