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Payday Advance Loans

Payday Advance Savings Solution

We understand there are times when you may need a short-term loan to hold you over until your next paycheck. There are companies that specialize in this type of loan, and they advertise themselves as the solution. However, the ads never mention the very high annual percentage rates these payday lenders typically charge - as high as 500% or even higher!

Don't get caught in the payday lenders' predatory trap! We offer our members a reasonable, affordable alternative to the high-rate payday advance loans. HCCU's Payday Advance Savings Solution (P.A.S.S.) is a short-term loan with an additional feature called P.A.S.S. savings that is designed to help you save for the unexpected.

How does a P.A.S.S. loan work?

  • P.A.S.S. is an open-end loan extended to members in good standing who have an automatic deposit (Direct Deposit, Payroll Deduction or ACH deposit) to an account with HCCU.
  • P.A.S.S. offers a pre-approved line of credit up to 50% of the previous month's direct deposit, not to exceed $500.
  • The advanced amount must be repaid in full within a 30-day period.
  • There is a one-time $35 application fee.
  • 5% of the advanced amount will be placed in your P.A.S.S. savings*.
  • No credit check is required.

If you need a short-term payday advance type of loan, let us help you, not only with the advance, but also with creating a savings account that you can access for future emergencies instead of taking out another loan.

To learn more about the P.A.S.S. program or to take out a loan, please contact our Call Center at 916.364.1700 or 800.233.6328 or visit any branch location.

*Funds deposited in P.A.S.S. savings may not be withdrawn until the balance exceeds $500.

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