Have an Emergency? Need Payday Loan Relief?
Moving Soon? Need New Wheels?
It’s okay! Whatever You Need… We’ve Got You Covered!
Flexible Loan Amounts • Build Credit • Improve Credit • Reduce Interest Rate
Affordable Monthly Payments • Build Savings Over Time
Debt Cosolidation Loan
Combine several payments into one affordable payment…
Debt Consolidation Loan Specifications:
- Borrow up to $10,000
- Flexible Terms 1 – 60 months
- $35 Loan Application Fee may apply
Debt Consolidation Loan Eligibility*:
- Must be a member of GNO FCU for one month
- Must have 3 months proof of income
*Other Terms and Conditions apply. Please contact us for more information.
Emergency Loan
Get help to cover an unexpected crisis…
Emergency Loan Specifications:
- Borrow up to $500
- Flexible Terms 1 – 24 months
- $35 Loan Application Fee may apply
Emergency Loan Eligibility*:
- Must be a member of GNO FCU for one month
- Must have 3 months proof of income
*Other Terms and Conditions apply. Please contact us for more information.
Rental Assistance Loan
Get help with all security deposits, first & last months rent…
Rental Assistance Loan Specifications:
- Borrow up to $4000
- Flexible Terms 1 – 36 months
- $35 Loan Application Fee may apply
Rental Assistance Loan Eligibility*:
- Must be a member of GNO FCU for one month
- Must have 3 months proof of income
*Other Terms and Conditions apply. Please contact us for more information.
Reliable Wheels Auto Loan
Purchase reliable transportation….
Reliable Wheels Auto Loan Specifications:
- Borow up to $15,000
- Flexible Terms Up to 60 Months
- $35 Loan Application Fee
Reliable Wheels Auto Loan Eligibility*:
- Must be a good standing member of GNO FCU
- Six month employment history verification
*Other Terms and Conditions apply. Please contact us for more information.
Safety Net Advance
When the need for quick cash arises, EPIC will extend a short term advance of up to $300 for a 60 day repayment term to a qualified member. 10% of this advance will be deposited into a Safety Net Savings Account in order to encourage member saving and financial prosperity.
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Maximum Amount of Payroll Advanced: $300
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Repayment Terms: 60 day repayment term
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Program Cost: $15.00 per month
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Low Interest Rate: 14.00% APR*
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Money orders available at half price
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One free Gift card purchase per year and discounts on additional products
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Maximum amount can be raised to $500 after 6 months participation and at the discretion of EPIC
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Overdraft protection up to the line of credit limit
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Note: Courtesy Pay will not be available injunction with the Safety Net Plan.
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Safety Net Advance Fees – As a Safety Net Advance member, you authorize EPIC to deduct the monthly plan fee from your Direct Deposit account. The Fee Schedule is as follows:
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Weekly – $3.45 per payday
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Bi-weekly – $6.90 per payday
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Semi-monthly – $7.50 per payday
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Monthly – $15.00 per payday
Safety Net Savings
- 10% of each advance is automatically deposited into the Safety Net Savings Account
- Once $500 is accrued, $250 is available for withdrawal
- ATM access does not apply
- Savings account earns interest
Safety Net Advance/Savings Requirements
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Must have a EPIC account for at least 60 days
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Must be in good standing with EPIC
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Must be employed at their present job for 90 days. Direct Deposit of Net Check is required
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Cannot be in the process of bankruptcy
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Certain Restrictions Apply**
Safety Net reSOLUTION – the Next Step
Resolutions is the next step to financial freedom. Step up from the basic Safety Net Program to further improve
your credit and have a nice savings balance at loan maturity.
- Borrow up to $4,000
- Repayment Terms: Up to 36 months for $4,000; loans amounts of $500 to $2000 will have terms of 12 to 24 months.
- Low Interest Rate: 17.00% APR***
- Savings: $1,000 or half of the funded loan is deposited into your regular savings or checking
account and available to you. The other half is place on hold until your TOTAL LOAN BALANCE is paid
in full.- Held funds available when loan is paid in full
- ATM access
- Savings account earns interest
Safety Net reSOLUTION Requirements
- Must be in good standing with EPIC FCU.
- Must have a EPIC account for at least six (6) months. Direct Deposit of Net Check is required.
- Cannot be in the process of bankruptcy.
- Qualifications based on normal underwriting criteria for the monthly payment and must not exceed
maximum debt to income ratio. - reSOLUTION loan cannot be granted in addition to the Safety Net Solution plan for one borrower.
- $35 loan processing fee applies.
- Certain Restrictions Apply**
**Direct Deposit is required for the duration of the program. Participation Fee of $15.00 / Month taken directly from member’s account based on payroll frequency – $3.45 weekly, $6.90 biweekly, $7.50 semi-monthly, $15 monthly. 60 day repayment term. Pay schedule includes monthly fee; Weekly = $37.24, Bi-weekly = $82.91, Semi-monthly = $83.61, Monthly = $167.66. Pay schedule for 90 day repayment on $500 advance including monthly fee; weekly=$42.64, Bi-weekly=$79.88, Semi-monthly=$92.56, Monthly=$184.59. Example based on $300 advance. Funds will not be available from Safety Net Savings until a balance of $500 is reached. Then only $250 is available for withdrawal. Withdrawal of Safety Net Savings that exceed the above reserve requirement constitutes immediate cancellation of the Safety Net Solutions program and the member will not be eligible to renew the program for 6 months. Late fees will be assessed based on 10% of the loan balance or $35 minimum. Loan is considered delinquent after 30 days and will be reported to the credit bureaus as past due. Any money deposited into the plan savings account will be used 1st to offset the balance owed.
***APR=Annual Percentage Rate. Example: $2,000 borrowed at 17.00% APR for 12 months = monthly payments of $182.41. Rate is subject to change. Approval based on individual credit worthiness.