Empower Your Community

0% Interest Loans

So Everyone Can Experience Financial Well-Being

Interest-Free Loans

100% of the Opportunity Loan goes to real needs in your CHROME community.


Zero Fees

An Impact Loan is a 0% interest-free charitable loan. It helps to bridge cash flow and pay emergency expenses without accruing extra fees or increasing high-interest debt. 


Extended Payback Schedule

With an Impact Loan, repayment takes place over a 12 month schedule. It is set up to be automatically debited from the recipient’s bank account on the day of their choosing and does not incur interest.

pay online

Automatic Savings

Once loan recipients pay back their loan in full, they are eligible to earn their Savings Incentive bonus equal to 10% of their original loan. This is to help recipients build their own emergency savings fund.  Click here for more info.

42% of American Households are Struggling Financially

  • Have negative cash flow
  • Struggle to pay basic needs
  • Have little or no savings
  • Pay 25% of their income servicing debt
  • Pay late and overdraft fees monthly
  • Are just trying to survive!
Calculate SAVINGS

How Much Can Be Saved

With An Impact Loan?

Estimate what someone would pay for a loan with poor credit versus great credit and how much could be saved with these Impact Loans.

Amount Borrowed
Current Interest
Your credit rating
Savings Incentive
Total Savings
Help a member

Get Free From Debt

CHROME wants to empower everyone in our community to flourish and experience financial well-being.

Living just above the Federal Poverty Line is a cross-section of families and households who are struggling financially unable to meet basic needs. They must choose between paying rent or filling a needed , fixing the car or buying groceries. In fact, 67% of families in our community are falling behind financially every month.

Though not labeled as living in “poverty” under the government definition, they are nonetheless struggling financially to survive. These families are not frivolous with their money. They are employed, and yet still struggle to meet their most basic needs, forcing them to make impossible choices – deciding between quality child care or paying the rent – filling a or fixing the car.

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As a solution, many people turn to Payday loans, Credit Cards, and other high-interest debt with extremely high-percentage rates and late fees, making a short-term problem a long-term burden.

They are your neighbors, friends, family members, co-workers, and those you sit next to in church. They make up almost a third of the households in America.

We have a solution. It’s called an Impact Loan.

It’s a 0% interest charitable loan – interest-free forever – with a flexible payback plan where 10% of each payment is given back to the borrower to help build emergency savings. This loan helps to bridge cash flow and pay emergency expenses without accruing extra fees or increasing high-interest debt.

This gives us an opportunity to meet the very real needs in our communities while also restoring dignity back to those receiving the funds. This is the key to prospering communities worldwide.

Changing Lives One Family at a Time

dad and daughter

What Our Impacted Communities Say

When my rent went up, we could no longer afford after-school child care. My husband and I both work and we were still struggling to make ends meet. This really helped when we needed it most.

One Grateful Employee

The Community Impact Fund took so much stress and worry off my shoulders and helped me get my health back on track. Compared to other places that provide support and help, this one feels the most impactful. It is the most reliable and I’m glad there is an actual person behind the screen helping.

An Employee Caring for His Parents

Download Printable Instructions:

Download Printable Instructions: