At a glance
From its website, read 2 Nov 2026Chehalis Tribal Loan Fund is a loan fund based in Oakville, Washington. Its website describes auto loans, credit-builder loans, equipment loans and 4 other loan types. Stated loan amounts run from $500 to $100,000. Where it lends: Southwest Washington State, with service to members of the Confederated Tribes of the Chehalis Reservation. Business loan rates stated on its site range from 7.5% to 11.75%. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Phone | (360) 226-0619 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.ctlf-empowers.org |
| Office (official list) | P.O. BOX 98, Oakville, WA 98568 |
What their website says about applying
To apply for Micro/Small Business Loan with the Chehalis Tribal Loan Fund (CTLF), applicants will typically need to provide the following: Completed Loan Application
sourceBank Statements (most recent two months, personal and/or business accounts)
sourceReady to take the next step? Fill out the form below and we’ll be in touch.
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 |
|---|---|---|---|
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | Maximum loan amount: $15,000.00 Fixed Rates: 6.50% – 8.50% | source |
| Credit-builder loans | Rate stated, not as an APR: see their wording | Maximum loan amount: $2,500.00 Fixed Rate: 7.00% | source |
| Home repair / improvement loans | Rate stated, not as an APR: see their wording | Maximum loan amount: $25,000.00 Fixed Rates: 7.50% – 10.75% | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | Maximum loan amount: $5,000.00 Fixed Rate: 7.00% | source |
| Small-business loans | Rate: 7.5%–11.75% | Maximum loan amount: $100,000.00 Fixed Rates: 7.50% – 11.75% | source |
| Auto / vehicle loans | Term: see their wording | Terms: up to 6 years financing | source |
| Credit-builder loans | Term: see their wording | Terms: up to 3 years financing | source |
| Personal / consumer loans | Term: see their wording | Terms: up to 5 years financing | source |
| Small-business loans | Term: up to 7 yr | Terms: up to 7 years financing | 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
- Low or damaged credit considered
While we do not require a minimum credit score or impose a maximum debt-to-income (DTI) ratio
source - No or thin credit history considered
Whether you are just starting your credit journey, working to improve your score
source - Business plan required
Business Plan (including goals, operations, and financial projections)
source - Training or counseling required
To qualify for the Empowered Auto Buyer Loan Program, participants must attend an Empowered Auto Buyer Class
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 | Yes |
| Date certified (as listed) | 16 Jan 2025 |
| RSSD ID | — (none listed) |
| Address | P.O. BOX 98, Oakville, WA 98568 |
| Website | www.ctlf-empowers.org |
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 6 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: medium. Loan amounts for equipment loans were not stated, and the Empowered Auto Buyer page is an event listing. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | up to $15,000 | Maximum loan amount: $15,000.00 | source |
| Credit-builder loans | up to $2,500 | Maximum loan amount: $2,500.00 | source |
| Equipment loans | — | Equipment loans | source |
| Home repair / improvement loans | up to $25,000 | Maximum loan amount: $25,000.00 | source |
| Microloans | $500 – $2,000 | Borrow between $500 and $2,000 to cover: | source |
| Personal / consumer loans | up to $5,000 | Maximum loan amount: $5,000.00 | source |
| Small-business loans | up to $100,000 | Maximum loan amount: $100,000.00 | source |
Loan sizes
Borrow between $500 and $2,000 to cover:
sourceMaximum loan amount: $100,000.00
sourceMaximum loan amount: $2,500.00
sourceMaximum loan amount: $25,000.00
source
Range used for the size filter: $500 to $100,000
Service area
Southwest Washington State, with service to members of the Confederated Tribes of the Chehalis Reservation
rooted in service to members of the Confederated Tribes of the Chehalis Reservation, while also supporting Native American families and rural small businesses throughout Southwest Washington State.
source
Borrower focus
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Fill out the form below and we’ll be in touch.
source
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.
- What is the APR, including fees, on your auto loans and credit-builder loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - 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$1.9 million in 7 awards from the U.S. Treasury's CDFI Fund, 2012–2025 (CDFI Rapid Response Program; Native American CDFI Assistance (NACA), Financial Assistance; Native American CDFI Assistance (NACA), Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2025 | Native American CDFI Assistance (NACA), Technical Assistance | $200,000 |
| 2024 | Native American CDFI Assistance (NACA), Financial Assistance | $500,000 |
| 2021 | CDFI Rapid Response Program | $297,500 |
| 2019 | Native American CDFI Assistance (NACA), Financial Assistance | $300,000 |
| 2017 | Native American CDFI Assistance (NACA), Financial Assistance | $331,000 |
| 2013 | Native American CDFI Assistance (NACA), Financial Assistance | $150,000 |
| 2012 | Native American CDFI Assistance (NACA), Technical Assistance | $137,792 |
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.
Size of the fund (IRS Form 990)
Fiscal year ending Dec 2023| Total assets | $1.4M |
|---|---|
| Total liabilities | $406,854 |
| Net assets | $989,577 |
| Total revenue | $501,194 |
| Notes and loans receivable, net (Part X line 7) | $1.3M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 27-0177378, filed as “CHEHALIS TRIBAL LOAN FUND”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Dec 2021 (990) | $1.5M | $710,831 | $200,518 | $619,603 |
| Dec 2022 (990) | $1.2M | $809,166 | $307,275 | $948,853 |
| Dec 2023 (990) | $1.4M | $989,577 | $501,194 | $1.3M |
Total assets fell 8% from Dec 2021 to Dec 2023; notes and loans receivable rose 106%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $100,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 18% of these 184. |
| Total assets, latest IRS Form 990 | $1.4M | Larger than 10% of the 10 other certified loan funds and venture funds in Washington with a matched Form 990 (median $15.6M). |
| Business loan rate its website stated (2 Nov 2026) | 7.50% to 11.75% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 0.5 pts above prime. For an SBA 7(a) variable-rate loan the legal maximum is prime plus 3 to 6.5 points, by loan size. |
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 18% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Washington | 10 | larger than 10% |
“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.
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. Form 990 figures: IRS annual extracts (see the Form 990 section). Prime rate: FRED DPRIME.
Other certified CDFIs in Oakville and Washington
- Canopy Federal Credit UnionCredit union · Spokane, WAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Denkyem SPCLoan fund · Renton, WAVerified
- Express Credit UnionCredit union · Seattle, WAPersonal / consumer loansVerified
- Great NorthWest Federal Credit UnionCredit union · Aberdeen, WAAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Harborstone Credit UnionCredit union · Lakewood, WAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- HomeSightLoan fund · Seattle, WAHome mortgagesVerified
Work at Chehalis Tribal Loan Fund? Link to this page
Paste this into your website to show you are listed. If anything here is wrong, tell us first (how).
Something wrong or out of date on this page? Use the contact page or email contact@cdfiatlas.com and name the page.
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.