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Resilience Loans

Loan Details

We are offering a new loan product to help those who have become unemployed, underemployed, or furloughed as a result of the COVID-19 outbreak.

  • Loan Amount: Up to $3,000
  • Loan Term: Up to 3 years, with payments deferred for the first 3 months
  • Loan Interest Rate: 0% APR
  • Loan Use: Resilience Loans can be used to cover basic necessities such as rent, utilities, childcare, food security, and/or caregiving.


You are eligible to apply for a Resilience Loan if you are:

  • A resident of Washington or Oregon, who is
  • An individual with a disability of any type or an individual who lives in a household with a person with a disability, and
  • You have lost income as a result of COVID-19.

All applications will be considered on a case-by-case basis. Income restrictions may apply.

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Frequently Asked Questions

How do I know if I’m a good candidate for a Resilience Loan?

Resilience Loans are intended for individuals and households who have lost income as a result of the COVID-19 outbreak. However, because Resilience Loans come with the expectation of repayment, they are not a good fit for everyone.

All applications will be considered on a case-by-case basis. To ensure that a Resilience Loan is a good fit, there are two main factors that we consider:

  • The applicant demonstrated that they reasonably expect to be able to repay the loan when the repayment period begins after the three- to six-month deferment period.
    • Applicants are able to provide further information about their circumstances throughout the application process, such as when they expect to be able to return to full or part-time work, or when they expect to find new employment.
  • The applicant demonstrated that they were able to pay their necessary expenses for themselves/their household prior to loss of income.

My credit is not great. Will that disqualify me?

Your circumstances will be evaluated on a case-by-case basis and having poor credit or a history of bankruptcy will not necessarily disqualify you. Northwest Access Fund staff will help you identify steps you can take to improve your chances of qualifying (such as participating in financial coaching).

What happens after I submit my application?

Your application will be reviewed by staff for completeness. We also will obtain a credit report and may call you for additional information. Once the application is complete, it will be submitted to our Loan Review Committee, which meets twice a month. If the Committee approves your application, we will send you a Promissory Note and other loan documents. Once these closing documents are signed and returned, we will disburse the loan.

How does disbursement work?

Disbursement will be determined on a case-by-case basis. Loan funds may be directly disbursed to vendors (i.e. landlords) or they may be directly deposited into the borrower’s bank account. We are committed to working with clients to help them cover expenses in the most advantageous way possible and in a way that does not impact access to cash, medical, or caregiving benefits.

What are the income restrictions that may apply?

The Resilience Loan is intended for low-to-moderate income households, which we define as households with incomes at or below 80% of the Area Median Income, as determined by the U.S. Department of Housing and Urban Development (HUD). We will accept applications from households with incomes up to 120% of the Area Median Income, but funds for these loans are limited. Household income is calculated according to income at the time of application.

To find your Area Median Income, visit HUD’s FY 2020 Income Limits Documentation System, input your state and county, and press “View County Calculations”. Please be sure to use the Income Limits corresponding to the number of persons in your household (“Persons in Family” on the website).

Ready to Apply?

Download a Standard Print version of the Resilience Loan application as a PDF or Word document.

Download a Large Print version of the Resilience Loan application as a PDF or Word document.

To have an application mailed to you, call our office at 206-328-5116 or toll free at 877-428-5116, send an email to info@nwaccessfund.org, or mail a request to:

Northwest Access Fund
PO Box 55759
Shoreline, WA 98155

Once you have completed an application, you can return it via email to info@nwaccessfund.org, by fax to 206-328-5126, or via mail to the address above.

Contact Us

Please contact us at info@nwaccessfund.org or call us at 206-328-5116 or toll free at 877-428-5116 to learn more.

Please note that we are working remotely due to COVID-19. We will respond to calls as quickly as possible.