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No Credit Check Loan

No Credit Check Loan

Need a little extra cash between paychecks? We can help!

Take advantage of financing with your personal interest in mind. If you are looking to get quick financing with no credit check, STJ Federal Credit Union has you covered.

By applying for a no credit check loan with STJ Federal Credit Union, you get peace of mind and the convenience of doing business with your local credit union.

  • Fixed Rates of 16.00% APR
  • Borrow up to $1,200*
  • Terms up to 12 months
  • Get your cash quick!
  • No prepayment penalties

To qualify for a No Credit Check Loan, you must meet the following requirements:

  • Applicant must have an active checking* for at least six (6) months with STJFCU.
  • Applicant must have an automatic deposit** of at least $300 per month for a minimum of six (6) consecutive months with STJFCU. The direct deposit / automatic deposit must be in the name of the primary account holder.
  • Bankruptcies must be discharged for at least two (2) years.
  • All accounts and loans must be in good standing for six (6) months. No NSFs. No delinquent loans.
  • All No Credit Check Loan (NCCL) payments must be setup for payroll deduction.
  • Any existing NCCL must complete five (5) full monthly payments before a refinance is available.
  • Must settle any existing NCCL with the proceeds from the new loan.

A $20.00 application fee will be debited from member’s account prior to loan being processed.

APR = annual percentage rate. *Active checking defined as a minimum of one (1) transaction per month. **Mobile deposits and Unemployment direct deposits do not meet direct deposit requirements. ***Delinquent loan defined as 10 days or greater past the scheduled payment date. The No Credit Check Loan is a progressive loan program that allows members to borrow higher loan amounts and establish credit history through short term loans. The initial loan amount is $800 and progresses to higher loan amounts of $1000 and $1200. A member may only have one (1) No Credit Check Loan at a time. Members must make at least five (5) months of payments as agreed in order to qualify for a higher loan amount and loan amounts are granted in progression ($800, $1000, $1200.). Maximum term limit is 12 months. A non-refundable $20.00 loan application fee is required and will be deducted from your STJFCU Checking or Savings account. Payment example: Approximately $90.72/month for every $1,000 borrowed at 16.00% APR for 12 months. Some restrictions may apply. All loan promotions are subject to change without notice.