FRAUD ACTIVITY INFORMATION: Please be aware, there have been reported instances of impersonators, claiming to be from UNIFY, making fraudulent calls to members requesting confidential/account identification information. Reminder: A real UNIFY representative will NEVER initiate contact with a member requesting such information including full debit/credit card number, PIN, card security code, eBanking username/security access code or full Social Security Number. If you are contacted by someone requesting this account-related information, please do not respond and let us know immediately at 877.254.9328, 24/7.

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


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.1

In six monthly payments.2


0% interest.

Fixed interest rate.


No credit check 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.

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.