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The Community Loan Center (CLC) of St. Louis County was established in 2017 in order to offer low-interest, low-fee personal loans to employees of enrolled employers as an alternative to high-cost payday and auto title loans. 


The CLC of St. Louis County is a service offered through Community Action Agency of St. Louis County, Inc. (CAASTLC), a 501(c)3 nonprofit . Our mission is to encourage and assist very low, low and moderate-income persons through credit solutions, loans, and financial counseling, as an alternative to pay day loans in order to promote, develop and improve the economic conditions of people in the St. Louis County area.  Partners and franchise of the Community Loan Center of America.


Community Action Agency of St. Louis County, Inc. (d/b/a CAASTLC) is part of a national network of federally funded Community Action Agencies (CAAs), created by the Economic Opportunity Act of 1964. CAAs administer various programs on community levels to assist low-income people out of poverty conditions. Nationwide, CAAs help 15 million people toward self-sufficiency. CAASTLC is a 501(c) (3) not-for-profit corporation that has provided services in St. Louis County for 50 years.

Originally incorporated as Metroplex, Inc. in 1968, CAASTLC was founded as a satellite agency of and administered by the Human Development Corporation of Metropolitan St. Louis. In 1978, Metroplex, Inc. became a separate designated entity to provide anti-poverty programs for St. Louis County, excluding Wellston. In 1996, the agency’s name was changed to STEP, Inc. and, in 2004, STEP, Inc. became CAASTLC. Our focus remains: to end poverty and help families who are caught in poverty. Services are provided to more than 40,000 low-income people in St. Louis County annually.

The Community Loan Center ("CLC") of St. Louis County, is licensed and examined under the laws of the State of Missouri and by state law is subject to regulatory oversight by the Missouri Division of Finance.

Any consumer wishing to file a complaint against the Community Loan Center of St. Louis County should contact the Missouri Division of Finance through one of the means indicated below:


In Person or U.S. Mail:


Missouri Division of Finance

301 West High St., Room 630
Jefferson City, Missouri 65102-0716

Telephone No.: 573-751-3242



The Community Loan Center is seeking grants, loans, and investments. The CLC program puts grant money from foundations, banks and corporate donors to work year after year, re-loaning the grant funds up to 8 times every 5 years. The CLC program delivers measurable positive outcomes demonstrating how the CLC helps borrowers improve their financial health.


Reduced interest rate loans make it possible to bring needed relief to local economies by supporting the CLC. Foundations involved in impact investing can provide Program Related Investments and Mission Related Investments to CLC local lenders. Bank loans for CLC capital provide an excellent way to fulfill bank Community Reinvestment Act obligations.

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