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Due to system maintenance, website features, including rates and product applications, will be unavailable Monday, October 26, at 10 PM (PT) to Tuesday, October 27, at 2 AM (PT). Times listed are approximate. We apologize for any inconvenience.

Short-Term Loans

Get funded fast and repay quickly. If you are a UNIFY member in good standing for at least 90 days and have no outstanding or delinquent UNIFY Short-Term Loans, you may qualify for a short-term loan to cover your emergency. We can bridge your funds until payday, or provide a quick loan without excessive rates or fees.

  • Quick Loan
    • 0% interest
    • Like a payday loan without excessive rates or fees
    • For unexpected expenses, emergencies or bills
    • Amount options: $300, $400 or $500
    • $20 non-refundable application fee
    • Repaid in 6 weekly payments, starting 30 days after funding1
    • No credit check.

    Apply Now

  • Credit Rebuilder Loan
    • Help to rebuild or establish credit
    • Loan amounts $200 - $1,000
    • $20 non-refundable application fee
    • 2% rebate of original balance, if payments are made on time2
    • Free Credit Counseling Service offered

    Apply Now

  Quick Credit Rebuilder

GREAT IF YOU…

Need to cover an emergency, unexpected expenses or bills.

Want to rebuild or establish credit.

BORROW …

$300, $400 or $500.

$200 – $1,000.

FEES

$20, non-refundable application fee.

$20, non-refundable application fee.

REPAYMENT…

Repaid in 6 weekly payments, starting 30 days after funding.1

In six monthly payments.2

INTEREST RATE

0% interest.

Fixed interest rate.

BENEFITS

No credit check and reliable weekly payments.

2% rebate of original balance for on-time payments.

REQUIREMENTS

Income verification.

Income verification. Less than three Credit Rebuilder Loans in last six months

COMPLETE …

Application online, by phone or at a branch.

Application online, by phone or at a branch.


Loan programs subject to change without notice. Must be a UNIFY member in good standing for at least 90 days. Only one outstanding Short-Term Loan at any given time. There may be fees and charges associated with select Short-Term Loan products. Certain terms, conditions, and restrictions apply. See your loan agreement for full terms and disclosures. UNIFY Financial Credit Union is an equal opportunity lender. 

1Estimated weekly payment is $16.67 per $100 borrowed for a 6-week term at 0% APR.

2Estimated payment is $18.05 per $100 borrowed for a 6-month term at 28.00% APR.

Can’t remember your Username?

No problem. Just phone our Contact Center at 877.254.9328, available 24/7, and a UNIFY Representative will assist you.