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Are You an Employer?

Happy at home…happy at work.

Financial stress affects millions of people

There are thousands of articles and studies that show how this financial stress has negatively affected work place productivity decade over decade. 

Our Extra Credit at Work loan program is designed with this in mind and offers a solution to help keep home-life stress from spilling over into your workplace environment. Offering loans from $500 to $5,000*, Extra Credit at work was created to to help employees make it to their next payday, help with with an unexpected emergency, refinance higher interest debt, or whatever they need it for!  We understand that everyone needs help sometimes, and we're here to lend a hand.

Extra Credit at Work offers quick and easy access to cash for use however your employees want. Because this loan is offered as an employee benefit, we will work with your payroll department to automatically deduct your employees' payments from their paycheck for convenient, out-of-sight, out-of-mind processing each month

  • No credit check required
  • Payday loan alternative
  • $500 - $5,000 loans available
  • Convenient repayment through your employer's payroll deduction

We've done our homework with our Extra Credit at Work loan. Your employees will avoid the outrageous rates of payday lenders and save money by getting the extra credit they've worked so hard to earn.  

To qualify for an Extra Credit at Work loan your employees must:

  1. Be an employee with a participating employer for at least 6 months.*
  2. Be 18 years old or older.

It's that simple!

How it works

We've kept this program as easy as possible. If applicants meet the qualifications above, then approval for loan amounts will be determined by their monthly income.  Monthly payment amounts are based on loan amount, term, and first payment due date.

Extra Credit at Work Loan Tiers

The available tiers are:

Loan Amount Minimum Monthly Income Term Approximate Monthly Payment+
$500 Under $1,000 6 months $87.61
$1,000.00 $1,000 12 months $89.82
$2,000.00 $1,500 24 months $96.89
$3,000.00 $2,000 36 months $103.46
$4,000.00 $2,500 36 months $137.94
$5,000.00 $3,000 36 months $170.32

How to apply

Applying is easy: You'll send your employees to our dedicated online application page where an account specialist with respond within 2 business days after application to complete the loan process.

Request more information

To find out more about offering Extra Credit at Work as an employee benefit at your place of work, please contact Kelli Walter by email at [email protected]. For a status update regarding an existing application, contact the help desk at 850.942.9000.