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
- Repayment divided into 6 weekly payments
- No credit check.
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Advancement Loan
- No fees or interest if paid within one day of the advance.
- Like a payday loan without excessive rates or fees
- For unexpected expenses, emergencies or bills
- Amounts up to $500
- No credit application or fee
- 5% deferral fee of total advance if not paid within a day
- Fill out an Advancement Loan Agreement, return by mail or at any branch
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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 time
- Free Credit Counseling Service offered
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	Quick	Advancement	Credit Rebuilder
GREAT IF YOU…	Need to cover an emergency, unexpected expenses or bills.	Need to cover an emergency, unexpected expenses or bills.	Want to rebuild or establish credit.
BORROW …	$300, $400 or $500.	Up to $500.	$200 – $1,000.
FEES	$20, non-refundable application fee.	5% deferral fee of total advance (waived if paid within one day of the advance).	$20, non-refundable application fee.
REPAYMENT…	In 6 weekly payments.	Next day.	In six monthly payments.
INTEREST RATE	0% interest.	Not Applicable.	Fixed interest rate.
BENEFITS	No credit check and reliable weekly payments.	No fees or interest if paid within one day of the advance.	2% rebate of original balance for on-time payments.
REQUIREMENTS	Income verification.	Minimum $500 Direct Deposit to your UNIFY Checking or Savings.	Income verification. Less than three Credit Rebuilder Loans in last six months
COMPLETE …	Application online, by phone or at a branch.	Loan Agreement, return by mail or to branch.	Application online, by phone or at a branch.

Disclosures & Agreements

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.

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