Thinking about a Payday Loan?

Check out this lower interest alternative

Payments less than $100 a month

Payday Alternative Loan (PAL)

Loans from $500 - $2,000** with rates as low as 12.00%


Auto-pay from your Service One account and get a 1% rate discount 

Disclosure *APR = Annual Percentage Rate. PALs are limited to one loan every six months. Rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications. All loans subject to approval.

** To qualify for a PAL, you must: Be a Service One Credit Union member in good standing, have a direct deposit of your paycheck into a Service One Credit Union account, provide 2-weeks proof of income such as a pay stub(s) or account statement, have not taken out a PAL in the last six months, have no more than one (1) PAL balance outstanding at a time. PALs are available from $500 to $2,000 with repayment terms of up to twenty-four (24) months. Half of the loan amount is available right away, the other half is deposited into a Service One Credit Union savings account and held until the loan is paid in full. The savings account balance is released to the member after the loan is paid in full.

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