The BetterFi All Credit Levels is a cdfi lender from BetterFi. The ongoing APR is 28%. Rewards: Offers financial coaching and a pathway out of debt traps.. Loan terms: Terms between 6 and 18 months. BetterFi is a non-profit economic justice enterprise and certified Community Development Financial Institution (CDFI) located in Coalmont, TN. It provides affordable installment loans and financial coaching to help individuals escape predatory lending practices and achieve financial stability. Services include: personal loans. US Treasury certified CDFI Loan Fund in Coalmont, TN.