Lending Circles turn a familiar community practice into a formal credit-building opportunity. Participants contribute through regular payments, and those payments are reported to credit bureaus, helping you establish credit history and strengthen your credit.
Financial Coaching & Credit Building
Take Control of Your Finances and Build Toward Your Goals
Whether you want to improve your credit, pay down debt, build your savings, or simply feel more confident managing your money, you don’t have to figure it our alone.
Free One-on-One Financial Coaching
TRP offers free one-on-one financial coaching designed around your goals. Our financial coaches will help you understand where you are today, identify your next steps, and create a plan you can put into action.
We can help you...
— Build Your Credit
Understand your credit report and score, identify what may be holding you back, and create a plan to strengthen your credit.
— Reduce Your Debt
Get a clearer picture of what you owe and develop a realistic strategy for managing and reducing debt.
— Create a budget
Build a spending plan that works for your household, your expenses and the goals you’re working toward.
— Build Your Savings
Set achievable savings goals and create a plan for emergencies, major purchases, homeownership and what comes next.
Lending Circles
Looking for a different way to build credit?
Build credit together with Lending Circles. In partnership with Mission Asset Fund (MAF), TRP offers a zero-interest, zero-fee way to establish or improve your credit while working toward your financial goals.
What is a Lending Circle?
Is there interest or a fee?
No. TRP’s Lending Circles offer a zero-interest, zero-fee loan, providing an alternative to high-interest payday loans and other costly forms of borrowing.
How can it help me build credit?
Your monthly payments are reported to credit bureaus, allowing your on-time payments to become part of your credit history. That can help you establish credit if you’re just getting started or improve the credit you already have.
What can I use the money for?
Participants can put the funds toward their individual financial goals, including paying down debt, saving toward homeownership, building an emergency fund, and paying for education or another major expense.
Interested in joining a Lending Circles?
Connect with TRP to learn more about Lending Circles and whether the program is right for your financial goals.
Call us to connect with a financial expert.
Lending Circles is a social loan program managed by MAF.
Explore Our Homeowner Support Options
We support families in building wealth through homeownership.
Homebuyer Preparation
Meet with a housing advisor for free, personalized guidance as you prepare to buy your dream home.
Realty Services
Get expert assistance in finding the right home that meets your needs and budget.
Lending Options
Access flexible financing solutions to help make your homeownership dream a reality.
Post-Purchase Support
Get ongoing guidance — from foreclosure prevention to refinancing.
Our Commitment
Building Community. Championing Justice.
Together, we're creating stronger neighborhoods where immigrants and families have the power to shape their future.