We’re well connected and can introduce you to organizations and services that will help you work toward financial well-being.

$tand By Me can connect you to services and referrals offered by state agencies and community organizations to help you meet specific financial goals of savings, debt reduction, home ownership, small business development, etc. In addition, $tand By Me has information and referrals on a broad array of community services to help you address any family or personal issue.

We don’t just give you a name and number to call, but we help you make a direct personal connection to the services that you need. Some of these services will be co-located on site.

Financial services and referrals that work for you

$tand By Me partners with local banks and credit unions to offer financial services on location, including savings accounts, certificates of deposit (CDs), consumer loans, and Visa debit cards for financial transactions. These user-friendly, easy-to-access financial services will help consumers avoid the high fees and pitfalls of predatory financial services.

1.    Loans Plus: A safe, affordable alternative to payday lending. Individuals in need of immediate cash for unexpected expenses can apply for same day cash with a low-interest loan of up to $500. This is an opportunity to establish positive credit. Financial coaching and a budget review is included in the service.
Partner: West End Neighborhood House, Wilmington, DE and M&T Bank, branches statewide

2.    Auto Loans: Avoid the high-interest rates of financing some car dealerships offer. You may be able to get an auto loan with a competitive fair market interest rate to purchase or refinance a car.  Discounted interest rate for direct deposit loan repayments.

Borrowers establish a credit history and a relationship with Del-One Federal Credit Union. Open an account and submit your loan application the same day.
Partner: Del-One Federal Credit Union, branches statewide.

3.    Security Deposit Loans: Take advantage of a loan of up to $800 to help cover your security deposit for a new rental lease. The loan has a low interest rate and builds credit with repayment terms of 6-18 months.  You also get free credit evaluation and budgeting. Must have landlord approval, proof of income and Delaware photo ID to apply.
Partner: West End Neighborhood House, Wilmington, DE and M&T Bank, branches statewide

Prepaid debit cards can be used instead of a checking account for paying bills, over the counter purchases, ATMs, and other transactions. The cards can be loaded through direct deposit of pay, benefits, and tax refunds. You can check account balances and history on the Internet or on your mobile phone. Get a joint account to share funds with family members in other cities, state, or countries.  Make purchases anywhere VISA or MasterCard is accepted. No credit check required to qualify.

1.    Mango Card: A MasterCard/Debit Card. Open with an ITIN or a Social Security Number. Offers a savings purse that pays 6% interests on savings up to $5,000. Some fees are applied. Learn more and open a Mango Card with a $tand By Me® Financial Coach.
Partner: Aspen Institute/ Community Financial Resources, San Francisco, CA

2.    CFR Premium Card: A Visa/Debit Card.  Open with a Social Security Number. No monthly fee, minimum deposit, or required balance. Minimal fees. Free ATM at all Moneypass locations (PNC). Learn more and open a CFR Premium Card with a $tand By Me® Financial Coach.
Partner: Aspen Institute/ Community Financial Resources, San Francisco, CA

3.    Del-One Reloadable Debit Card: A Visa/Debit Card. Become a Del-One member and purchase card same day for $5.00.  Personal embossed card with member name mailed within 24 hours.  Some fees are applied. Open a Del-One Reloadable Debit Card at any Del-One location.
Partner: Del-One Federal Credit Union, Statewide locations throughout Delaware.

1.    Better Life Checking: Become a Del-One member and open a Better Life Checking account the same day. Earn 3% APY interest on account balances up to $25,000. ATM fees may be credited back up to $25 per month. No monthly service fee or minimum balance requirement. Better Life Checking is managed through the Internet. Member must sign up for eStatements, enroll in direct deposit, and use debit card for purchases 10 or more times per month.
Partner: Del-One Federal Credit Union, Statewide locations throughout Delaware.

Meet with a $tand By Me financial coach to apply for any or all of these consumer-friendly financial products, designed with your financial situation in mind.