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Extra Credit Loan

Get the money you need, now! Quick and easy.

You've earned extra credit

When you feel a financial pinch, look into our Extra Credit Loan. It's a $500 personal loan* that can help you make it to your next payday.

Here's what's needed for an Extra Credit Loan:

Helpful hint: You've worked too hard to be gouged by payday lenders and their outrageous rates. This is a better option, because we understand everyone needs help sometimes and that's why we're here.

Envision Credit Union is a full-service financial institution with branches in Florida and Georgia.

Free Debit Card Rewards

Treat yourself

Earning rewards is as easy as 1-2-3!

Learn More: ECU Rewards Page


*Extra Credit Loans are for $500 with an interest rate of 16.0% APR (Annual Percentage Rate). The loan term is approximately 6 months with monthly payments of approximately $95. Members must be at least 18 years old, a member in good standing for at least 6 months, have an open and active checking account, qualify for an eligible Relationship Pricing Tier, cannot have a current balance on any other Extra Credit Loan to qualify. Extra Credit Loans must be paid in full for a minimum of 30 days prior to funding a new request. Members are limited to 3 or less Extra Credit Loans within a 12 month period. Credit history and overall creditworthiness will not influence the approval or denial of the Extra Credit Loan. Limited to one loan per member. Additional restrictions may apply. Will not qualify if the member has a current extra credit loan.