Pack Fire Victims in California Get Loan Lifeline
Published Date: 12/12/2025
Notice
Summary
California’s Pack Fire disaster declaration means residents and businesses in Mono and nearby counties can now apply for low-interest disaster loans to help fix damage or cover lost income. You’ve got until February 9, 2026, to apply for physical damage loans and until September 9, 2026, for economic injury loans. This declaration unlocks financial help to get communities back on their feet faster and stronger!
Analyzed Economic Effects
3 provisions identified: 3 benefits, 0 costs, 0 mixed.
Low‑interest physical damage loans for homeowners
If you live in the areas covered by the Pack Fire declaration, you can apply for physical damage disaster loans to repair or replace your home. Homeowner interest rates listed are 5.750% if you have credit available elsewhere and 2.875% if you do not; the deadline to apply for physical damage loans is February 9, 2026.
Physical damage loans for businesses and non‑profits
Businesses and non‑profit organizations in the declared areas may apply for physical damage disaster loans to repair property or replace equipment. Interest rates for physical damage loans are 8.000% for businesses with credit available elsewhere and 4.000% for businesses without; non‑profits have rates listed at 3.625%; the physical loan application deadline is February 9, 2026.
Economic Injury (EIDL) loans for businesses and co‑ops
Businesses and small agricultural cooperatives in the EIDL declaration areas (California and Nevada) can apply for Economic Injury Disaster Loans to cover working capital losses. The interest rate for businesses and small agricultural cooperatives without credit available elsewhere is 4.000%, and for non‑profits without credit available elsewhere is 3.625%; the deadline to apply for EIDL is September 9, 2026.
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