Thank you for visiting our website; unfortunately, Innovative Changes is no longer open to assist you with your needs.  It has been our pleasure over the last 10 years to work with you. Because we know that people turn to us for support, we want to leave you with resources for the Portland Metro Area and Statewide. These organizations are trusted community partners who are committed to the same vision and values about building financial capability as Innovative Changes was.  We will keep this website updated as more resources become available.  

 

Again, thank you for being our client, community partner and neighbor.

 

We will miss you!

 

Updated 2.4.2021

Small Dollar Loan Programs- 

Hacienda CDC- Lending Circles, also called tandas, susu, cundinas, and pandeiros in other countries are used to help participants raise money for necessary things – like  paying off loans, small business expenses, purchasing a car, etc.   Here is how lending circles work: let’s say 10 people get together and each agree to save $100 over 10 months. This becomes a pot of money that each can borrow for a necessary expense. The group  agrees to the order in which people will get the “full pot” of $1,000. So, one person in the group will receive $1000 every month until everyone has received their money. At Hacienda CDC we form circles with clients and community members. In order to improve and establish the credit of participants, we report each completed payment to major credit bureaus. This is a safe and effective method of improving credit, assured by Hacienda CDC.

Point West Credit Union- Pathways will help you build credit, grow savings, and put yourself on a path to a bright financial future. Services include coaching, classes, savings and access to a credit card.  (Additional loan types available through Point West’s website). 

Save First Financial- Emergency funds available for COVID-19 and wildfire assistance.  Some Employer Assistance Programs are available as well. 

Credit Builder Loans- 

Micro Enterprise Services of Oregon (MESO)- MESO’s Credit 101 project is dedicated to helping individuals build their credit knowledge, scores and history.  This product is available to those who are not business owners. 

Point West Credit Union- Looking to build or repair your credit? As part of a comprehensive plan, our Credit Builder loan can provide an easy, affordable and impactful way to improve your credit score. Terms can be tailored to fit your credit building needs, with a simple payment each month of just $10 a month. The loan funds, secured for the life of the loan, will be placed in your savings account once fully repaid. 

 

Financial Education- 

Hacienda CDC-  Su Dinero, Su Futuro/ Financial Fitness Class is a 5 week series offered virtually that covers 10 hours of comprehensive financial education. 

Save First Financial- Save First offers a series of workshops in a classroom environment to help clients learn basic savings strategies, design a personal/family budget, develop debt management skills, and learn how to manage and build credit. This is your first step towards financial wellness.  Classes also offered virtually bi weekly and quarterly. 

Financial Coaching- 

Point West Credit Union- Pathways will help you build credit, grow savings, and put yourself on a path to a bright financial future. Services include coaching, classes, savings and access to a credit card.  (Additional loan types available through Point West’s website).

Save First Financial- Get paired with a trained financial coach to start working toward your goals today. Your coach will help you stay on task and accountable, as you work together to design a personal budget plan. They will also help identify which financial tools are best suited for your situation. 

Individual Development Account (IDA)-

Individual Development Accounts- A directory of other IDA providers in the state. Most have extensive waiting lists.