No Credit Check Loans

Whatever your borrowing needs may be, we can help with some of the most competitive rates and terms you'll find anywhere. Our service is fast, convenient and confidential.  The Credit Union has a variety of terms and rates to suit your needs.

All loans are calculated as simple interest, with finance charges based on the actual time the borrowed funds are used. Ask a Member Service Representative for more information or complete an online application today.


No Credit Check Loan

apply nowDon't want the hassle of going through the regular lending process? Are you worried about a poor credit history, or no credit history? Or, you only need a small amount of cash for a short period of time?

If you said yes, then we will make you a small unsecured loan without going through the regular lending process. Complete an easy application and you can get approved in a short period of time. Here are the features of this loan:

  • A short application is required.
  • There is a non-refundable $20 application fee. The fee must accompany the loan application.
  • There is no credit bureau run.
  • You must be a member of the Credit Union and be in good standing.
  • You must be employed for 1 year.
  • Payment by payroll deduction is preferred.
  • The loan term is 6 months.
  • The annual percentage is 24%.
  • The loan is for $500.

Whenever you need cash fast, stop by one of our branches and get a No Credit Check Loan (NCCL)*.

* You can only have one No Credit Check Loan at a time.


Certification Loan

apply nowYour Credit Union makes every effort to support the education and certification requirements of its members. Many of you must meet certification requirements to maintain your nursing license. This process often requires that you pay a fee upfront and out of your pocket. Money you may not have readily available.

To help you over this hurdle, your Credit Union is now offering a Certification Loan with the following features and benefits:

  • You can borrow $500 without a credit check.
  • The term is for 6 months, allowing you time to pay or get reimbursed.
  • The annual percentage rate is a low 9%.
  • The non-refundable application fee is only $15.
  • Proof of registration for certification is required.

Apply online today or stop by a branch and speak with a Member Service Representative to get fast review for your Certification Loan.


Citizenship Loan

apply nowThe Credit Union has partnered with Baptist Health South Florida to provide low interest, no-credit-check loans to employees in Citizenship Workshops. 

Features and Benefits:

  • No loan application fee
  • Credit Union membership fee waived for non-members
  • No credit check
  • Loan amount of $680 per person
  • Term - 1 to 3 people = 12 months; 3 or more people = 24 months
  • Annual Percentage Rate of 10%
  • Hospital employees and immediate family eligible
  • Disbursement made directly to program
  • Payroll deduction is preferred for loan payments