At a glance
From its website, read 2 Nov 2026IRC's Center For Economic Opportunity, Inc. (CEO) is a loan fund based in New York, New York. Its website describes auto loans, credit-builder loans, immigration loans and 2 other loan types. Where it lends: States where CEO currently does business, as listed for SAFE loans.
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 | (888) 612-1002 source |
|---|---|
| support@irc-ceo.org source | |
| Website | irc-ceo.org |
| Office (official list) | 122 E. 42nd Street, 12th Floor, New York, NY 10168 |
What their website says about applying
Financial coaches will facilitate referrals for loans from CEO.
sourceIf you are looking to access SAFE services and/or loans, please visit
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.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 30 Sep 2015 |
| RSSD ID | — (none listed) |
| Address | 122 E. 42nd Street, 12th Floor, New York, NY 10168 Directions (Google Maps) |
| Website | irc-ceo.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 5 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 and terms were not stated on the pages fetched, and the current loan terms are referred to external help pages. 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 | — | Auto loans expand your geographic scope of employment possibilities. | source |
| Credit-builder loans | — | Credit building ladder loans establish and actively build credit history. | source |
| Immigration / citizenship loans | — | Immigration loans assist with the costly immigration process. | source |
| Microloans | — | Accessible start-up capital offered alongside technical assistance. | source |
| Personal / consumer loans | — | Personal loans to finance everything from computers to car repairs. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
States where CEO currently does business, as listed for SAFE loans
Loans through SAFE are available in states where CEO currently does business: Arizona, California, Colorado, Florida, Georgia, Idaho, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Montana, New Jersey, New York, Oklahoma, Texas, Utah, Virginia, and Washington.
source
Borrower focus
- Immigrants
CEO offers small loans tailored to meet the practical needs of working families and new Americans.
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
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 are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and credit-builder loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your microloans?
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 need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - 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$3 million in 6 awards from the U.S. Treasury's CDFI Fund, 2012–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Small Dollar Loan Program | $383,223 |
| 2021 | CDFI Rapid Response Program | $1,700,000 |
| 2020 | CDFI Program, Financial Assistance | $400,000 |
| 2018 | CDFI Program, Financial Assistance | $300,000 |
| 2016 | CDFI Program, Financial Assistance | $100,000 |
| 2012 | CDFI Program, Technical Assistance | $95,000 |
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.
Other certified CDFIs in New York and New York
- AAFE Community Development FundLoan fund · New York, NYOfficial list only
- Abyssinian Baptist Church Federal Credit UnionCredit union · New York, NYOfficial list only
- Ascendus Inc.Loan fund · New York, NYChild-care facility financing, Credit-builder loans, Small-business loansVerified
- Business Consortium Fund, Inc.Loan fund · New York, NYSmall-business loansVerified
- Carver Federal Savings BankBank or thrift · New York, NYCommercial real estate loans, Microloans, Small-business loansVerified
- CHURCH OF THE MASTER FEDERAL CREDIT UNIONCredit union · New York, NYAuto / vehicle loans, Personal / consumer loans, Small-business loansVerified
- Community Development Trust, LP, TheLoan fund · New York, NYAffordable housing development loansVerified
- Community Development Venture Capital Alliance, TheVenture capital fund · New York, NYOfficial list only
Work at IRC's Center For Economic Opportunity, Inc. (CEO)? Link to this page
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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.