At a glance
From its website, read 2 Nov 2026Westwater Financial, Inc. is a loan fund based in Windsor, California. Its website describes credit-builder loans, small-dollar emergency loans, personal loans and 1 other loan type. Where it lends: Native Americans in California and employees of Native American companies. It says it considers borrowers with low or no credit history. 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
| Main | (707) 419-3070 source |
|---|---|
| Website | www.westwaterfinancial.org |
| Office (official list) | 930 Shiloh Road Bldg 40 Ste F, Windsor, CA 95492 |
What their website says about applying
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 |
|---|---|---|---|
| Credit-builder loans | Rate stated, not as an APR: see their wording | build their credit history at a 0% interest rate | 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
- No or thin credit history considered
designed to help individuals with no credit or inactive credit establish and build their credit history
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 | 930 Shiloh Road Bldg 40 Ste F, Windsor, CA 95492 Directions (Google Maps) |
| Website | www.westwaterfinancial.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 an online application route were not stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Credit-builder loans | — | designed to help individuals with no credit or inactive credit establish and build their credit history at a 0% interest rate. | source |
| Small-dollar / emergency loans | — | Emergency loans due to an emergency event, that threatens the financial stability of an applicant. | source |
| Personal / consumer loans | — | – including vehicles, home renovations, and other purposes, depending on collateral | source |
| Small-business loans | — | we offer loans to qualifying businesses at competitive rates | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Native Americans in California and employees of Native American companies
Westwater Financial offers loans to Native Americans in California and employees of Native American companies.
source
Borrower focus
- Native American / Alaska Native / Native Hawaiian
Westwater Financial offers loans to Native Americans in California and employees of Native American companies.
source
Languages
- Spanish
She is bilingual, fluent in English and Spanish both verbal and written.
source
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 credit-builder loans and small-dollar emergency loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your small-business loans?
Their website does not state a rate for this. - 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. - Can I apply online, or do I need to call or visit?
We found no online application 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$1.6 million in 10 awards from the U.S. Treasury's CDFI Fund, 2013–2025 (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 | $150,000 |
| 2022 | Native American CDFI Assistance (NACA), Technical Assistance | $150,000 |
| 2021 | CDFI Rapid Response Program | $200,000 |
| 2020 | Native American CDFI Assistance (NACA), Technical Assistance | $150,000 |
| 2019 | Native American CDFI Assistance (NACA), Technical Assistance | $150,000 |
| 2018 | Native American CDFI Assistance (NACA), Technical Assistance | $144,742 |
| 2017 | Native American CDFI Assistance (NACA), Technical Assistance | $149,995 |
| 2016 | Native American CDFI Assistance (NACA), Financial Assistance | $200,000 |
| 2014 | Native American CDFI Assistance (NACA), Technical Assistance | $149,783 |
| 2013 | Native American CDFI Assistance (NACA), Technical Assistance | $146,600 |
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 Windsor and California
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- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- American Nonprofits, Inc.Loan fund · Santa Cruz, CAVerified
- Apoyo Financiero Inc.Loan fund · Concord, CAPersonal / consumer loans, Small-business loansVerified
Work at Westwater Financial, Inc.? Link to this page
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