Extra Credit Loan, quick money for Back to School

Need help with Back to School? This Extra Credit Loan is designed to get you $500 quickly for back to school time.

To qualify for an Extra Credit Loan you must:

How to apply:

  • Apply online 
  • Give us a call at 850-942-9000

If you currently have a balance on a Back to School Loan, proceeds from the Extra Credit Loan will pay off the Back to School Loan balance and the remaining amount will be deposited into your account. 


*Extra Credit Loans are for $500 with an interest rate of 16.0% APR (Annual Percentage Rate).  Loan term is approximately 6 months with monthly payments of approximately $95.  $20 origination Fee is required at time of application and is non-refundable.  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 or Back to School 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 credit worthiness will not influence the approval or denial of the Extra Credit Loan.  Additional restrictions may apply. Will not qualify if member has a current extra credit loan.