Employees of the U.S. Government affected by the shutdown click here to schedule an appointment to apply for an emergency loan.

Financial Literacy

Empowering Through Financial Education

Common Wealth Charlotte provides trauma-informed financial education which empowers clients, through classroom and one-on-one settings, to make informed financial decisions . CWC's curriculum recognizes the physical, psychological and emotional trauma experienced by our most fragile working poor.
Banking Access

Expanding Access to Banking

Common Wealth Charlotte provides clients access to second-chance full-service checking accounts and other attractive asset-building programs through our credit union and bank partners.
Opportunity Loans

Providing Opportunity Loans

A CWC Opportunity Loan offers a borrowing rate significantly below market based on access to 100% donor-funded collateral. This helps  a client refinance predatory loans, provide rental deposits for housing and manage other financial emergencies while improving his or her credit score throughout repayment.

Common Wealth CharlotteCommon Wealth Charlotte (CWC), an innovative non-profit started in April 2015, provides financial empowerment to Charlotte's low-wage workers through financial education coupled with access to specially designed re-banking and emergency loan products.  Our trauma-informed financial education curriculum meets people where they are, and results in long-lasting change and enhanced opportunities for upward mobility for financially-educated low-wage workers. Trauma-informed financial education is an emerging best practice, incorporating a deep understanding and recognition of the physical, psychological, and emotional trauma caused by scarcity and experienced by our most fragile working poor.  It responds by empowering clients in a classroom or one-to-one setting to create an environment of safety, trustworthiness, transparency, peer support, mutual respect, consumer choice, and culturally relevant discourse.

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