We serve the un- and under-banked. Those who have difficulty getting access to credit, building their credit and ultimately escaping the hamster-wheel of poverty.

If you are looking for a new way to borrow, that involves your community and strengthening your communal safety net then give Social Conscience Cooperative a try.

We lend based on co-sponsors. You provide us with two references who can vouch for your character and are willing to put down 15-20% of your loan, and we will provide you with the funds to get the breathing room you need.

We are here to break the cycle of despair you might feel navigating the financial services and climbing the proverbial ladder of upward economic mobility.

To get started, click “Borrow”.

” disappointment produces despair and despair produces bitterness,
and that one thing certain about bitterness is its blindness.

Martin Luther King Jr.