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.