Short-Term Loans

Get funded fast and repay quickly


Get funded fast and repay quickly with UNIFY Short-Term Loans. We can bridge the gap until payday or provide a quick loan without excessive rates or fees.

Quick Loan

Get fast cash for unexpected expenses, emergencies, or bills.

  • Amount options: $300, $400, and $500
  • $20 non-refundable application fee
  • Not credit qualifying
  • 0% interest
  • Rates, terms, and payment examples 

Apply For a Quick Loan


Credit Rebuilder Loan

Rebuild your credit with an affordable fixed-interest rate loan.

  • Amount options: $200 - $1,000
  • $20 non-refundable application fee
  • 2% rebate of original balance if payments are made on time
  • Free credit counseling service offered
  • Rates, terms, and payment examples 

Apply For a Credit Rebuilder Loan

Which short term loan is right for you?

Compare your options here.


Quick Loan Credit Rebuilder Loan


Need to cover an emergency, unexpected expenses or bills.

Want to rebuild or establish credit.


$300, $400 or $500

$200 – $1,000


$20, non-refundable application fee.

$20, non-refundable application fee.


Repaid in 6 weekly payments, starting 30 days after funding.
Rates, terms, and payment examples 

In six monthly payments.
Rates, terms, and payment examples 


0% interest 

Fixed interest rate 


Not credit qualifying and reliable weekly payments.

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


Income verification.

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


Application online, by phone, or at a branch.

Application online, by phone, or at a branch.

Apply for a Short-Term Loan Now


Contact a loan specialist today

We’re here to answer your loan questions.

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Short-Term Loan programs subject to change without notice. Must be a UNIFY member in good standing for at least 90 days to be eligible and members may only have one outstanding Short-Term Loan at any given time. Certain terms, conditions, and restrictions apply. See your loan agreement for full terms and disclosures. 

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Credit Union Near Me

UNIFY is always near you with 24/7 call center access and branches nationwide including Los Angeles, Orange County, Plano, Texas, and Northwest Arkansas.

Find a branch near you