Avoid the cycle of pay day lenders that charge exceptionally high interest rates with our Pay Day Alternative Loan program. This short-term loan provides you funds at affordable rates and flexible payment options with NO CREDIT CHECK and NO PENALTY for early repayment. Members must have a savings or checking account with direct deposit for at least six months prior to obtaining a loan. For more information on this new product, call or visit our loan department or apply online. Certain fees and conditions apply.