- Take care of emergency needs with our Payday Advance Savings Solution (P.A.S.S.)
- An alternative to the high-rate payday advance loans
- Anytime, direct access to funds:
- Open-ended line of credit
- Credit limit of up to $1000
- No credit check necessary
- Easy application process
- Low, one-time application fee of $35
How It Works
- 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 of up to 50% of the previous month's direct deposit, not to exceed $1000 (certain restrictions apply)
- The advanced amount must be repaid in full within a 30-day period
- One-time $35 application fee required
- A new $35 application fee is required anytime borrower wishes to increase his/her credit limit
- A $45 re-application fee is required if borrower's P.A.S.S. loan is suspended and borrower wishes to re-apply
To learn more about the P.A.S.S. program or to take out a loan, please call our Contact Center at 916.364.1700 or 800.233.6328. Or just visit any branch location.
All loans are subject to approval.