Give predatory lenders the P.A.S.S.! Turn to HCCU for affordable, short-term financing.

  • 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.