African American family holding hands in garden

SELF approves people based on their ability to pay, not their credit score.

If you are a veteran, senior, female head-of-household, disabled, low-income, or someone with poor credit: SELF has a special lending program for you.

  • We lend to manufactured home owners. Mobile homes that are affixed to the ground qualify (not mobile homes with license plates).
  • Any homeowner or first of kin to homeowner can apply.
  • There is no minimum credit score requirement.

Low-Interest Rate Home Improvement Loans

All Home Improvement Loans

Unsecured loans for a wide variety of eligible improvements

Excited female soldier leaving for deployment

KIVA Loans

Crowdsourced loans for people with low or no credit, veterans, and female heads of household.

getting a loan for a rental property

Disability Loans

Loans for disability and aging in place home adaptation.

Energize St. Lucie County (PACE)

For All Land Use Types. *Only Available in St. Lucie County, FL

Martin County Septic to Sewer Loan

Martin County Septic to Sewer Loan

Residential. Martin County Only.

What Our Clients Are Saying

Monica, Hillsborough

"I am so grateful for this loan and SELF was really there for me."

Ruth Vernon, Tampa

SELF helped Ruth completely redo her bathroom. "Now my daughter doesn’t have to worry about me falling"

Laurelin, Mobile

“SELF made this process as painless and worry-free as possible. I am so grateful for all their help, thanks to everyone!”