Keep predatory lenders at a distance — turn to us for a convenient infusion of cash when you most need it.
- Competitive Rates
- Local Processing
- Quick Decisions
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- 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 HFCU 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 and
- 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 HFCU for a minimum of 60 days to qualify for program
- Must be employed by the same employer for a minimum of 6 months