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Alternatives and Planned Parenthood of the Southern Finger Lakes have teamed up to bring our community one of the first programs in the United States specifically for transgender and non-binary community members.

The TransAction Financial Empowerment Program provides access to funds to support gender affirmation, such as hormone therapy, vocal coaching, new wardrobes, legal documentation updates, and surgeries/procedures—without the risks of high-interest credit or predatory lenders.

TransAction Personal Loan

A personal loan for one-time expenses related to gender-affirming surgeries and related costs (i.e., travel, lodging) and one-time expenses for transition-related clothing, vocal training, and other needs. The maximum loan amount is $20,000 with a reduced interest rate.

TransAction Line of Credit

A line of credit for ongoing transition-related care and expenses (i.e., medical care, emotional support, medication, transportation). The maximum credit limit we offer is $20,000 with a reduced interest rate.

A referral letter from a medical professional is required to apply. Because we respect privacy and confidentiality, this letter does not require disclosure of detailed medical care. Contact your medical care professional or Planned Parenthood’s Transgender Navigator for a referral letter and details about required documents: (607) 216-0021, ext. 2308.

Apply now

You may have questions or specific needs related to money, financial services, managing gender marker or name changes on identity documents—we’re here to help!

As a community development credit union, Alternatives is proud to offer free financial counseling, workshops, free tax preparation, and more. For help navigating legal documentation, medical care, and other needs, Planned Parenthood of the Southern Finger Lakes has resources available for you.

Have questions? Contact us.

Learn more and meet the team behind TransAction! 


TransAction loan products are available for people living in Tompkins, Cayuga, Chemung, Cortland, Schuyler, Seneca, and Tioga counties. All loans are subject to approval.

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