Special Financing & Low Income Assistance Programs 

To aid our members with low incomes or previous financial problems we have created a multi-level program. 

$en$ible Cash Loan Program

"Fresh Start" Program

Starter Loan Program

New Deal Program

Low Income Financing

Helpful Links

$en$ible Cash Loan Program 
This program is to offer our members as an alternative to check cashing outlets during times of need. Members can receive funds in as little as ten minutes with low fees and an extended repayment period! 

"Fresh Start" Program 

You must have received an offer from Sharefax Credit Union regarding the "Fresh Start" program offer to participate. If you have not but believe you could benefit from this program, please contact the Sharefax Lending Department at (513) 753-2440 . 

Sharefax in partnership with Trinity Debt Management are offering "Fresh Start" program recipients the opportunity to complete a MoneyEd: Personal Finance Program. 

Upon completion of the MoneyEd: Personal Finance Program, Sharefax will automatically approve a signature loan for up to $1,000 in order to repay any collection items and/or bring your delinquent obligations current. 

Loan Specifications:

• This loan must be repaid within a span of 6 months. 
• If the loan is paid as agreed upon and there are no negative changes to your employment and credit history, you will be automatically approved for a second loan* to either purchase a vehicle or to consolidate debt listed on your credit bureau. 
• Any bill consolidation checks would be made payable to your creditors. 
• You and your loan officer will work together to determine the loan amount that meets your needs*.
• This is a one time counteroffer and must be accepted within 30 days of the adverse action notification that you received in the mail. 
• Future requests for credit will be determined based upon your credit worthiness. 

*Maximum limits apply.

After participating in this educational session, you will have a much better understanding of money and credit issues, as well as improving your financial management skills. By providing you with this fresh start, it is our intent to help you improve your personal finances so that you might qualify for future credit requests.

For additional information or questions regarding our Fresh Start program and the maximum loan amounts, please contact a Sharefax loan officer at (513) 753-2440. For more information on debt management and your personal finances, contact the Trinity Debt Management toll free hotline at (800) 698-0851 (Monday-Thursday 9:00am to 6:00pm and Friday 9:00am to 5:00pm) and mention you are a Sharefax member

Starter Loan Program 
This is a loan program with less stringent guidelines to help qualified members, with limited or no credit, begin to establish a credit history. With this program, members are approved for a vehicle loan or issued a small starter loan in the form of a signature loan, credit card or credit line that helps them to step out in the right financial direction. 

New Deal Program

The New Deal Program is offered to assist our members with poor credit scores in obtaining a loan in order to satisfy their transportation needs. You must be an existing members to qualify, returned to or currently have full employment and be using the loan to purchase a vehicle. 

Low Income Financing 
This program is to assist individuals with household incomes less than $50,000 per year, who have good credit, but a higher than normal debt to income ratio. By meeting certain requirements, members are eligible for loans to purchase necessary transportation or durable household goods (i.e. washer, dryer, etc.). Members may also be eligible for a small signature loan.  

15/30 1st Mortgages
With our 15/30 1st mortgage your monthly payment will be based on a 30 year term with a 15 year fixed rate balloon payment due upon maturity. This loan is a great way to get a lower payment and the best rate.

Helpful Links

Better Housing League of Cincinnati

Keeping the American dream alive!

Struggling to meet due dates? Missed mortgage payments? Paying late charges? Foreclosure notice? 

We can help!

Hope Now

HOPE NOW is an alliance between counselors, mortgage companies, investors, and other mortgage market participants. This alliance will maximize outreach efforts to homeowners in distress to help them stay in their homes and will create a unified, coordinated plan to reach and help as many homeowners as possible. The members of this alliance recognize that by working together, they will be more effective than by working independently.

HUD

HUD's mission is to increase homeownership, support community development and increase access to affordable housing free from discrimination. To fulfill this mission, HUD will embrace high standards of ethics, management and accountability and forge new partnerships--particularly with faith-based and community organizations--that leverage resources and improve HUD's ability to be effective on the community level.

Home Today

At Home Today you'll find support and services for all of your home purchase needs whether you're ready to buy today or need some time to explore the possibility of owning your own home.

The Home Ownership Center is a private, non-profit partnership of businesses, residents and government that helps you prepare for, buy and maintain a home. We have you and your family in mind — not profits, so let us be your partner in the home buying process.

Save the Dream Ohio

The Save the Dream foreclosure effort in Ohio is uniquely structured to include both governmental and private sector partners each deeply concerned about the foreclosure crisis facing Ohio, and we are working to provide you with the tools to save your dream—the American dream—of owning a home.

To speak with a Loan Officer or for more information contact (513) 753-2440. 

Get your free credit report today at www.annualcreditreport.com

Free credit reports are available under federal law at www.annualcreditreport.com

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Links Disclaimer: Sharefax Credit Union has provided links to Internet sites maintained by third parties. Sharefax does not operate or control in any respect any information, products or services on these third-party sites. Important Reminder: We will never initiate a phone call, email, or a text asking you to update, validate, or provide us with your personal information. If you receive a questionable e-mail requesting personal information about your accounts that appears to be from Sharefax Credit Union, please contact us at (800) 733-1728 or (513) 753-2440.