Loan & Credit Cards
Better Choice Cash Advance

Better Choice Cash Advance

HFCU participates in the Better Choice Cash Advance program as an affordable alternative to high cost payday loans. Short Term Payday loan alternative.

  • Maximum Term of 90 days.
  • $20.00 application fee.
  • Interest rate of 18%.
  • Minimum advance of $200. Maximum advance of $500.
  • Advance must be paid in full prior to other advances being disbursed.
  • Payment by payroll deduction , ACH origination only or HFCU automatic transfer from direct deposit.
  • Mandatory savings deposit equal to 10% of cash advance. This 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
  • 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.

Click here to print a Better Choice Cash Advance application.

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HFCU is federally insured by the National Credit Union Administration. HFCU is an Equal Opportunity and Housing Lender.

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