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. Limited to one loan per member. Additional restrictions may apply. Will not qualify if the member has a current extra credit loan.