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Routing #: 211178349
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Loyalty Express Loan

 

Your loyalty approved in minutes!

At Healthcare Financial Credit Union, we believe in rewarding your loyalty. That’s why we created the Loyalty Express Loan - a small personal loan designed just for you, with no credit check, no paperwork hassle, and no waiting.

Whether it’s for an unexpected bill, a family need, or a little breathing room, the Loyalty Express Loan gives you access to funds quickly - with the dignity and trust you deserve.

Why Choose our Loyalty Express Loan?

  • No Credit Check Required.  No credit report pulled - ever.
  • Quick Approval. Apply and get approved in minutes through our online or mobile banking platform.
  • No Pay Stubs or Paperwork. We use your relationship with the credit union - not your documents - to qualify you.
  • Fixed Payments, No Surprises. Straightforward terms and easy budgeting.
  • Exclusive to Loyal Members. This offer is available to members with a strong history with HCFCU.

Loan Features:

  • Loan amounts from $500-$2,000, based on your relationship with us instead of credit bureaus*. Repayment terms vary based on loan amount.
  • $35 non-refundable application fee.
  • Annual Percentage Rate (APR): 25%.
  • Upon approval, we immediately deposit funds to your account.
  • Payments will be automatically withdrawn from your funded account monthly on the date you choose.

How to Qualify*:

  • You can qualify after 6 months of membership. Eligibility for primary member account holder only.
  • We calculate your eligible loan amount by taking 35% of your total recurring direct deposits over the last 61 days. For example: To qualify for our minimum $500 loan, your direct deposit must be at least $375 or more per biweekly pay period for a total of $1,500.

How it works:

  • Log in to Online Banking. Once logged in scroll down to services on right and choose Loyalty Express Instant Loan.
  • Log in to our Mobile App. Choose the "More" option and scroll down to Loyalty Express Instant Loan.
  • Apply in Minutes – no documents, no hassle.
  • Get Approved Instantly – if you qualify based on our automated criteria.
  • Funds in Your Account – In Minutes!

*We calculate your eligible loan amount by taking 35% of your total qualifying direct deposits over the last 61 days. Must have at least $1,500 in qualifying direct deposits. Only individual direct deposits of $100.00 or more are counted toward the total to qualify. The maximum loan amount is $1,000 for first-time borrowers and $2,000 for returning borrower, if eligiblity allows.

Eligibility criteria is subject to change at any time. 

*APR - Annual Percentage Rate. *APY - Annual Percentage Yield.