We’ve done our homework with our Extra Credit Loan.

Avoid the outrageous rates of payday lenders and save money by getting the extra credit you’ve worked so hard to earn.  Our $500 Extra Credit Loan is designed to help you make it to your next payday.  We understand that everyone needs help sometimes and we’re here to lend a hand.

To qualify for an Extra Credit Loan you must:

How to apply:

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

*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.  A $20 origination fee is required at the 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 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.  Additional restrictions may apply. Will not qualify if the member has a current extra credit loan.