Our Mission

We believe that access to fair, affordable credit should be available to everyone, regardless of where you started. First Gen Loans was built to provide that opportunity to thin-file and no-file borrowers who are ready to take the first step toward their American dream.

Who We Are

First Gen Loans is a Chicago-based consumer lender dedicated to serving borrowers who have been overlooked by the traditional financial system. We specialize in working with thin-file borrowers, first-time borrowers, and ITIN holders who are ready to build their credit history and take control of their financial future.

We are not a traditional lender. We use technology and alternative data to evaluate borrowers as individuals, not just as credit scores. We look at the full picture, because we know that a thin credit file does not tell the whole story.

Our Values

Partnership

We are not just a lender. We are a partner in your financial journey. From your first application to your final payment, we are here to guide you, support you, and celebrate your progress. Because building a stronger financial future is something we do together.

Fairness

We evaluate every borrower as an individual. No two financial journeys are the same and we believe every applicant deserves a fair and unbiased review.

Empowerment

A loan is just the beginning. We report to all three major credit bureaus because we want every borrower to finish their loan in a stronger financial position than when they started.

Actualmente estamos en nuestra fase de pre-lanzamiento y comenzaremos a aceptar solicitudes al recibir nuestra licencia CILA de Illinois. Envía tu información a continuación para unirte a nuestra lista de espera y ser de los primeros en solicitar.

Ready to Start Your Partnership With Us?

Take the first step toward building your credit and your future. We are ready when you are.

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