Unexpected expenses don’t always wait until payday. Our Payday Alternative Loan (PAL) gives eligible members access to fast, affordable funds without the high costs of traditional payday loans.

Why Choose Our PAL:

• Affordable Rates – Max 28% APR*
• Small-Dollar Loans – Borrow up to $1,000
• Flexible Terms – Repayment options from 1 to 6 months
• No Rollovers – Clear payoff schedule, no debt traps
• Free Financial Counseling – Helpful tools and guidance at no cost

Traditional payday lenders can charge rates up to 390% APR* – yikes!

Our One Vision PAL gives you a safer alternative with affordable rates, transparent terms, and no hidden surprises.

Disclosure: *APR – Annual Percentage Rate. Payday Alternative Loans (PALs) subject to approval. Limited to One Vision Credit Union (OVCU) accounts in good standing and not past due. Borrower must be 21+ years of age, a member for at least six months, and have an active payroll deposit. A $20 non-refundable application fee applies; other fees and charges may apply. PALs have a fixed rate of 28% APR with loan amounts from $200 to $1,000 (not to exceed 50% of monthly income) and terms of 1 to 6 months. Interest accrues from the date of disbursement. The estimated monthly payment on a $500, 6-month loan at 28% APR is $91. Payment begins 30 days from the contract date. The PAL balance must be paid in full before another PAL can be taken. Members are limited to no more than two PALs within any six-month period. No rollovers are available. All loans are subject to final approval. Terms and conditions are subject to change. Other restrictions may apply — please visit or call OVCU for complete details. Federally insured by NCUA.