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Better Choice Cash Advance

Turn to Hershey FCU for a convenient infusion of cash
whenever you most need it.

Key Features:

  • Affordable alternative to high cost payday loans
  • Maximum term of 90 days
  • $20 application fee
  • Interest rate of 18%
  • Minimum advance of $200; maximum advance of $500
  • Payment by payroll deduction, ACH origination only or Hershey FCU automatic transfer from direct deposit


  • Mandatory savings deposit equal to 10% of cash advance
    • Amount is added to the loan balance, in addition to the requested cash advance and any application fee being financed
  • After two Better Choice Advances within one year:
    • Financial counseling is required 
    • Approval for additional Better Choice Advances will be decided by the counselor and the loan manager
  • Advance must be paid in full prior to other advances being disbursed
  • Must be a member of Hershey FCU for a minimum of 60 days to qualify for program
  • Must be employed by the same employer for a minimum of 6 months

We are building community through CARE.