Consumer and Community Development Loans

More than 400 financial institutions across the state provide low-interest consumer and community development loans through the Treasurer’s Opportunity Illinois program.

Opportunity Illinois Consumer loans make a difference in the day-to-day lives of individuals with disabilities, families of U.S. military personnel who are called to duty, and the victims of natural disasters.

Opportunity Illinois Community Development loans enable businesses and
non-profits to broaden their services, strengthening neighborhoods and communities.

The Treasurer's Office offers eight types of Opportunity Illinois loans:

Consumer loans Community Development loans
Illinoisans with Disabilities
Citizen Soldiers
Storm Victims		 Non-Profit Development
Historic Preservation
Bank Development
Hospital Development
Credit Unions

Opportunity Illinois is one of three types of deposit programs operated by the Treasurer’s Office. Under state law, the Treasurer’s Office has the authority to deposit state money at a reduced rate of interest in eligible financial institutions that issue loans at below-market rates for specific projects and programs.

 
   

Employ Illinois gives business owners access to capital to start or enhance their businesses with the help of low- interest rate loans.

Opportunity Illinois backs low-interest loans to consumers and community development agencies to improve the quality of life in Illinois.

Cultivate Illinois offers four financing options to help farmers secure low-interest loans to offset rising costs associated with farming.
Money Market and Prime Funds allow local government entities to pool their investments to gain a higher rate of return for their residents.
Online bill paying gives people with busy schedules a quick and convenient way to pay government bills and fees.