Help Center

How to use GovLoans.gov

What is GovLoans.gov?


GovLoans.gov is an online resource to help you find government loans you may be eligible to receive. GovLoans.gov launched in 2004 to provide citizens with improved access to information on loan programs.

GovLoans.gov:

  • Leverages the platform developed by Benefits.gov
  • Partners with Federal and State agencies to provide information on government loan programs
  • Increases access to loan program information and eligibility requirements to help citizens find government assistance
  • Is free to use
  • Does not offer free money, administer benefits, or accept applications for loan programs

What is the difference between a loan and a grant?


Loans 

  • Awarded to an individual as a personal benefit or assistance
  • You are required to pay back a loan, often with interest
  • Popular loans include student loans, help with housing or business needs, or disaster relief
  • GovLoans.gov is a great place to begin your search for government loan programs

Grants

  • Federal grants are awards of financial assistance to an organization
  • Used to carry out a government authorized purpose, and are not provided as personal benefits or assistance
  • Most grants are awarded to universities, researchers, law enforcement, cities, states, counties, and non-profit organizations
  • Grants.gov is a great place to begin your search and apply for grants

How do I find a loan?


GovLoans.gov can help you start your search for loans by connecting you to loan programs you may be eligible to receive. Start your search with the following options: 

  • Take the Loan Finder questionnaire to help you determine eligibility.
  • Browse by Category
    • Look through 6 loan categories and select the one(s) you want to learn more about.
  • Use Search
    • Search by keyword or phrase.
  • Visit the Other Resources page to find more information on government assistance.

Am I eligible for a loan?


GovLoans.gov is a great place to begin your search for government loan programs. 

  • Take the Loan Finder, an online questionnaire that recommends loan programs you may be eligible to receive based on answers to a series of questions about your personal situation.
  • Use Browse by Category or type keywords in Search to go directly to the benefit page.

Who offers government financial assistance?


Federal and State agencies are responsible for offering and administering loan programs and handling the application process. GovLoans.gov is designed to help you easily locate this information. Each loan program has a ‘Quick Info’ box on the page. Here, you will find program information including a link to the managing agency’s website. 

GovLoans.gov offers information and eligibility requirements for government loan programs, but does not manage the programs, or accept applications on behalf of the managing agency.

What should I know about government financial assistance?


GovLoans.gov is an educational resource. GovLoans.gov will never send citizens free money, directly offer loan programs, call you, or directly ask you to send personal information. It is important to verify a government agency’s contact information before giving away personal information. Learn more in this article, from our partner site Benefits.gov: Protecting Yourself Against Scams.

For an online guide to additional government information and services, visit USA.gov or call the National Contact Center at 1-800-333-4636.