Programa de préstamos

Programa de préstamos

Project Prosper recognizes the unique challenges in accessing credit and reliable financial information faced by recent immigrants and refugees. Our innovative loan program includes a 0% interest loan with matched savings, financial coaching, and credit reporting.

Loans are approved for one-time expenses with a maximum loan of $2,500, repayable within a 36-month loan term. While loans are 0% interest, participants pay 10% in “self-savings” to encourage a saving habit. Borrowers are also matched with a volunteer coach, whose role is to provide personalized financial education based on the borrower’s interests. When a borrower successfully pays off their loan the self-interest amount (usually $250) is returned to the borrower and matched with dollar-for-dollar gift funds if they have met with their coach at least 6 times during the loan term. A unique benefit of this program is that Project Prosper reports the participant’s payments to the three main credit bureaus allowing clients to establish or build their credit.

¿Interesado en solicitar un préstamo?

Los préstamos se pueden usar para una amplia variedad de usos únicos, tales como: comprar un automóvil, tarifas educativas, tarifas para solicitar la ciudadanía o residencia permanente, desarrollo de pequeñas empresas, etc. Todos los préstamos están sujetos a aprobación. Los solicitantes serán evaluados en función de su capacidad, carácter y solvencia.

Calificaciones

  • Have a one-time financial need (sorry, we do not make loans for rent, utilities, or recurring other recurring expenses – but we do make loans to pay off high interest debt like credit cards and for any other one-time need)
  • Must be an immigrant or former resident of a US territory now living in Florida
  • Can provide proof of legal status (have a valid work permit and status – refugee, pending or approved asylum, Temporary Protected Status (TPS), humanitarial parole, Green Card/Permanent Resident, US Citizen, etc.) 
  • Lived in a U.S. state less than 15 years
  • Live or work in Pinellas, Hillsborough, or Pasco county in Florida. Coming soon to Manatee County!
  • Employed for at least 6 months
  • Califica como ingreso bajo a moderado (ver cuadro a continuación)

1

Persona en familia

$43,850

Ingresos familiares brutos

2

Personas en familia

$50,150

Ingresos familiares brutos

3

Personas en familia

$56,400

Ingresos familiares brutos

4

Personas en familia

$62,650

Ingresos familiares brutos

5

Personas en familia

$67,650

Ingresos familiares brutos

6

Personas en familia

$72,700

Ingresos familiares brutos

Pasos en el proceso de préstamo

1. Contact us at 727-900-5142 for more information and to verify that you qualify.
2. Complete una solicitud.
3. Asista a una entrevista en persona.
4. Sujeto a aprobación, reciba notificación de que su préstamo ha sido aprobado.
5. Attend your loan presentation where you collect your check and meet your coach.
6. Realice sus pagos y obtenga historial de crédito con las 3 agencias de crédito.
7. Meet with your coach at least 6 times during your repayment period.
8. After 36 months your loan will be paid off!
9. Asista a una presentación de cierre de préstamo.
10. Collect a check for the self-interest amount paid (maximum $250) and receive a gift matched up to $250 if coaching requirements are met.

Sample payment for a loan issued for the maximum value ($2,500):

$69.45

x 36 Months =

$2,500

Principal del préstamo

$6.95

x 36 Months =

$250

Interés propio

$76.40

Pago mensual total

$2,750 ($250 returned as savings)

Over 36 Months

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