Financial Education, Counseling and Credit-Building Products

Sound Outreach puts consumers in charge of their money by teaching them how to build wealth and use credit wisely. We go beyond financial education by matching underbanked consumers who have lower income and/or poor credit with checking accounts and loan products that can help them build credit and break unhealthy financial cycles. 

When you work with a Sound Outreach Financial Counselor, part of your individualized coaching may include some of the following products:

Restart Auto Refinance – *Learn more and apply here*!

• Refinance an existing high-interest auto loan into one with a more affordable rate, allowing more of your payment to go toward bringing your total balance down and potentially reducing your monthly payment.
• To see if Restart is for you, fill out this form and our Financial Counselors will get in touch.

LISC Twin Accounts

• LISC Twin Accounts combines the incentives provided in an Individual Development Account (IDA) with credit building to achieve a high level of impact on an individual’s financial bottom line. This Twin Account two-page overview gives the basics. (Note: Currently available only to Center for Strong Families clients)

Borrow-to-Save Loan

• With this loan option, you receive the funds to handle a current emergency and have some funds deposited into a savings account. The funds are held until you’ve paid off the loan. Then you have some savings built up to tackle future emergencies.

Secured Loan

• Borrow against your savings or certificate account and begin building credit at a low-interest rate.

Short-term Loan

• Take care of unexpected expenses and establish or re-establish credit with this great alternative to payday lending.
• Fill out this form if you think a short-term loan is right for you.

Sound Outreach Financial Counselors

Like all financial products, there is risk involved. Sound Outreach’s solution is a network of trained Financial Counselors (FCs) embedded in organizations throughout Pierce County. Sound Outreach FCs provide long-term financial coaching. Loan products will be available only to clients recommended by an FC.

Disclosure: Deposit products offered through Harborstone Credit Union are federally insured by NCUA. Sound Outreach Financial Counselors are not employed by Harborstone Credit Union. All loans and collateral subject to Harborstone Credit Union lending policies. Rates and terms subject to change at any time.