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Payday Loans

Good news. Payday came early!

The Payday Alternative Loan is an unsecured line of credit with a 3-year draw period. Once draw period expire, a member must make payments till the balance is paid in full.

Pay a lower interest rate than regular payday loans:

The Payday Alternative Loan is a line of credit designed to help when unexpected expenses arise. 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. Additionally, it can be used as overdraft protection with a checking account.


  • Reestablish Credit History
  • Financial counseling to help you gain financial independence
  • Lower interest rates than regular payday loans
  • Get funding fast
  • Borrow as many times as needed as long as funds are available
  • Borrow up to $1000


  • Minimum loan amount is $500.00
  • Minimum monthly payment $50.00
  • Direct deposit must be set up to deposit your full check to ICCU prior to funding
  • Direct deposit must remain active or credit line will be close


  • 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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