We can help you make a fresh start, take control of your financial life, and rebound.
Looking for a second chance?
Get immediate help
Meet your immediate needs with our payday loan alternative.
Start building a small emergency fund to buffer you against the unexpected.
Pay off debt
Free yourself from burdensome debt, one balance at a time.
Rebuild your credit
Repair your damaged credit with our secured cards and accounts.
Get immediate help,
and start saving a buffer
PayDay Alternative Loan
Our PayDay Alternative Loan provides money when you need it most.
SAVE TO WIN
Saving can be rewarding! For every $25 you save, you increase your chances to win a cash prize.
Repair your credit and avoid costly fees
BALANCE FINANCIAL EDUCATION
Expertly crafted financial education to help with your fiscal matters
SHARE SECURED VISA
Establish or repair your damaged credit with this credit card, secured by your own funds.
Raise Your Credit Score with Experian Boost
Boost can help you rebuild your credit and achieve better Financial Wellbeing. A majority of consumers using Experian Boost see an increase (overall, 62% see a boost).Learn More
Second Chance loans and mortgage assistance.
L.I.F.T. AUTO LOANS
Get rewarded for paying on time. We’ll reduce your interest rate by 1% APR for each 12-month period of on-time payments, up to 1% APR.
RENEW AUTO LOANS
If you have damaged credit, we’ll help you get essential transportation for you and your family.
For income-eligible members, we provide assistance with down payments and closing costs.
I Just Feel Comfortable
“I Love this place, from the customer service to the warm personal attention, I feel so comfortable when I come in to talk about my finances.”
“I love coming to Peninsula - they gave me a second chance at my financial life. Every time I visit, it's convenient.”
FAQs and Tips
Second Chance FAQs
Calculators to help you manage your debt
Ready for a fresh start?