No Approval Loans

Start Rebuilding Your Credit

Why is a better credit score Important? With improved credit, you have the ability to obtain lower interest rates on loans, which equates to saving thousands of dollars over the life of any future loans. Additionally, you could:

  • Save money on your auto and home insurance

  • Reduce the down payment required on a vehicle loan

  • Increase your chances of securing a good paying job

  • Have a better chance of setting up a new business

  • Get the best credit card at the lowest rate

We believe that members who have damaged credit scores due to financial hardships deserve a second chance. Get the second chance you deserve with a $1,000 No Approval Loan. This is a short term loan for 6 months that will be deducted from your payroll deposit each payday. This guarantees on-time payments as long as your payroll is posted. On-time payments will be reported to the credit bureau and will help increase your credit score over time. This loan is reported to the credit bureau as an unsecured debt.


  • Must have an active UECU checking account

  • Payroll deposited via ACH for 6 consecutive months

  • Submit 3 Verified References

  • Pay an application fee of up to $25

  • Submit most recent pay-stub

Say “NO” to Payday Lenders

We want to help you stay out of trouble with payday lenders. Here are six ways payday loans can make you wish you would have found some other way to raise the money you needed.

  1. Payday loans are incredibly expensive – we have seen rates as high as 400%

  2. You can get stuck in a repeat cycle – they allow you to pay a fee and roll the loan

  3. Debt grows fast at these rates – debt can often quadruple in just one year

  4. Requires access to your bank account – good luck trying to get that stopped

  5. Aggressive collection practices – the collection process will be very unpleasant

  6. Hidden fees – be sure to read the fine print and understand what fees will be charged

A No Approval loan is one way you can start building a strong credit history which will eventually qualify you for other loans. Building good credit, whether you are starting from scratch or repairing a bad credit history, requires patience. You will need time to show lenders that you are a consistently reliable borrower who makes their payments on-time. A No Approval loan is a great place to start.

Please click the Apply button to print the application. You will need to complete the Application and the Reference Sheet and return as instructed on the top of the application. Please select the NA Advance button if you are applying for an advance on your No Approval loan. You need to complete the Reference Sheet if this is the first advance that you have requested in the calendar year.