Live outside our service area? Start here.
There are other places to start, and a loan doesn’t have to be your first option.
Help paying for gender-affirming care.
Point of Pride
Financial assistance for transgender people across the U.S., including help with gender-affirming surgery, HRT, electrolysis and other needs. Unlike a loan, grant assistance generally doesn’t have to be repaid.
See what your insurance may cover
Trans Health Project
Learn what your health insurance may cover and get help navigating coverage for gender-affirming care.
Updating your name or ID?
Trans Lifeline ID Change Library
Find state and federal information for updating your name, gender marker and identification.
Explore the ID Change Library →
Thinking about a personal loan?
A personal loan from another credit union or financial institution may be an option, even if it isn’t specifically called a gender-affirming loan.
When comparing loans, look beyond the monthly payment:
A longer loan can lower your monthly payment but cost more over time.
If you can’t tell what a loan will really cost you, that’s reason enough to try a different lender.
Want help figuring out the money part?
You don’t have to figure out loans, credit or budgeting on your own.
BALANCE Financial Fitness, our non-profit partner, offers free resources on budgeting, credit, debt and more. Alternatives membership isn’t required.
Explore BALANCE financial resources →
Alternatives also offers free financial education.
Explore Alternatives financial education →
There isn’t one financial path that works for everyone. Maybe it’s financial assistance, insurance, a loan, or you’re still figuring out what’s possible.
Whatever your next step, you deserve clear information, respectful support and financial options that recognize your needs.