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Community Loan Center of Northeast Indiana

About the Program Apply for a Loan Become a CLC Employer

About the Program

Community Loan Center (CLC) of Northeast Indiana

The Community Loan Center (CLC) of Northeast Indiana provides affordable small-dollar loans to employees, offering a better alternative to payday loans.

Operated by the Brightpoint Development Fund, CLC partners with employers to give workers access to low-cost loans with manageable repayment options—helping them avoid high-interest payday lenders.

Our goal is to help borrowers stay on top of their finances, meet unexpected expenses, and work toward financial stability.

CLC Loan Features and Eligibility

The Community Loan Center (CLC) of Northeast Indiana offers affordable small-dollar loans through participating employers. This program provides a better alternative to payday loans with simple approval and flexible repayment options.

Loan Features

  • Fast Approval – Quick and easy loan process
  • Simple Application – No complex paperwork
  • No Credit Check – Approval isn’t based on your credit score
  • No Collateral Required – No need to put up assets to qualify
  • Flexible Repayment – Affordable payment plans
  • No Prepayment Penalties – Pay off your loan early with no extra fees

Participating Employers (as of 3-24-25)

A - E

Allen County Board of Commissioners, Ameri-Can Engineering, Big Brothers Big Sisters, Bonnell Aluminum, Boundless Childcare & Preschool, Brightpoint, Cardinal Services Inc. of Indiana, City of Fort Wayne, Community Transportation Network, Covering Kids & Families of Indiana, Discounted Comic Books, Early Childhood Alliance, Easterseals Arc of NE Indiana

F - O

HartWood Tree Care, Housing Authority of Fort Wayne, Lassus Brothers Oil, League for the Blind & Disabled, Life Adult Day Academy, Lunar Distribution LLC, Lutheran Social Services of Indiana

P - Z

Paragon Steel Enterprises, Parkview Health, Physicians Health Plan of Northern Indiana Inc, Prosperity Indiana, TomCat HC LLC, Winona Powder Coating, YMCA of Greater Fort Wayne, YWCA Northeast Indiana Inc

Who Can Apply?

Counties Served

Allen, Adams, Blackford, DeKalb, Delaware, Elkhart, Fayette, Fulton, Grant, Henry, Huntington, Jay, Kosciusko, LaGrange, Marion, Marshall, Miami, Noble, Randolph, Rush, St. Joseph, Steuben, Union, Wabash, Wayne, Wells, and Whitley

To qualify, you must:

  • Be at least 18 years old
  • Have worked at a participating employer for at least 3 months
  • Have a checking account
  • Provide a driver's license or passport number
  • Have a Social Security Number

More Information

I Need a Loan: How it Works

Getting a loan through the Community Loan Center (CLC) of Indiana is fast, easy, and affordable.

Step One: Apply Online

  • Find your region and employer – Visit the CLC of Indiana application page and select your region.
  • Complete the application – Fill out the online form in minutes!

Step Two: Get Your Funds

  • Employment verification (24-48 hours) – We confirm your job status.
  • Sign your agreement – After approval, sign your loan agreement.
  • Receive your money – Funds are deposited into your checking account within 2 business days.

Step Three: Easy Repayment

  • Automatic payroll deduction – Loan payments are automatically deducted from your paycheck.

Loan Terms

  • Loan amount: $550 to $1,000
  • Payback period: 12 months
  • Interest rate: 18% + $20 administrative fee

Why Choose CLC?

  • No credit check – Approval does not depend on your credit history
  • No collateral required – No assets needed to qualify
  • No prepayment penalty – Pay off your loan early with no extra fees
  • Financial support – Access free financial counseling and Financial Foundations courses

Ready to apply? Start your application today at CLC of Indiana!

Apply Now

I Am an Employer: Tell Me More

Unexpected expenses—car repairs, medical bills, home emergencies—can put financial strain on your employees. When they’re short on cash, payday lenders are quick to offer high-interest loans that can trap them in debt.

The Problem with Payday Loans

  • Payday loans must be repaid in full by the next paycheck
  • High fees lead to interest rates as high as 391%
  • Many borrowers fall into debt cycles, taking new loans to repay old ones

A Better Solution: Community Loan Center™ (CLC)

The Community Loan Center (CLC) of Northeast Indiana, operated by Brightpoint Development Fund, offers a better, employer-based loan program:

  • Employees apply online
  • Funds are deposited directly into their bank account
  • Easy payroll deductions make repayment automatic

When employees have financial stability, they are more focused and productive. Help them avoid payday lenders by offering CLC as a free benefit.

How to Become a Participating CLC Employer

  • Sign Up – Go to the Employers tab on the CLC of Indiana website and fill out the form.
  • Get Confirmation – A CLC representative will contact you within 1-2 business days.
  • Verify Employment – When an employee applies for a loan, CLC will request employment verification.
  • Set up Payroll Deduction – Once approved, you’ll receive a loan repayment schedule to facilitate automatic payroll deductions.

Employer Benefits:

  • Zero cost employee benefit – No expense for your business
  • Easy to administer – Minimal setup, smooth process
  • 24/7 employer portal access – Manage employee participation anytime
  • Attract and retain employees – Offer a unique financial wellness benefit

Ready to Get Started?

Visit CLC of Indiana today and take the first step toward supporting your employees’ financial wellbeing.

Contact Us

For more information about the Community Loan Center of Northeast Indiana, fill out our contact form using the button below or contact us by phone at (260) 399-4108.

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