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Payday Loans

Good news. Payday came early!

The Payday Alternative Loan is a small dollar, short term loan product designed to help when money is needed. Use it for emergencies, expenses, or bills.  Members with direct deposit of their full paycheck can have access to an unsecured line of credit up to $1000.00.

Pay a lower interest rate than a regular payday loan:

  • Helps you establish credit/restart credit
  • Pay a lower interest rate than regular payday loans
  • Get funded fast, without normal underwriting criteria
  • Can borrow as many times as needed as long as funds are available
  • Provides financial counseling to help you gain financial independence


  • Direct deposit (full check) has to be established prior to funding loan
  • Maximum loan amount is $1,000.00
  • Minimum loan amount is $500.00
  • Minimum monthly payment $50.00
  • Monthly Payment frequency
  • Automated payments can be set up


  • Late fee if applicable
  • $25.00 processing fee
  • $25.00 advance fee per month
  • $35.00 returned item fee

*For members with direct deposit only. Some restrictions may apply. Must be an ICCU member.

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