Envision

With highly competitive rates and an efficient application process, Houston Federal Credit Union can help you finance virtually any of your wants and needs.

Payday Alternative Loans

If you have a payday or cash advance loan, you’re probably paying extremely high interest rates and fees. And, you might be caught in a seemingly never-ending cycle that’s digging you deeper into debt. When the unexpected happens and you find yourself short on cash between paydays, HFCU can provide you with a better alternative to payday lenders.

  • Easy application
  • Fast approval with no credit check
  • Loans from $200 to $1,000
  • No outrageous fees or interest rates
  • Terms from one to six months

For more information, visit any of our locations, call us at (866) VIP-HFCU.

The interest rate is 28% annual percentage rate or 23% annual percentage rate if payments made by payroll deduction. Application fee is $15.00. Borrower must be at least 18 years of age. Only one Payday Alternative Loan per member at any given time, with no more than three loans in any rolling six-month period. Existing loan must be paid in full before another is granted; no rollover loans honored. Must be a member of HFCU for a minimum of 30 days and submit borrower’s two most recent payroll stubs. Other restrictions may apply.