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Get up to $5,000 for unforeseen expenses with interest rates as low as 5.00%/5.39% APR* for up to 36 months.

Welcome and thank you for learning more about your employer's Emergency Loan Program available through USE Credit Union.

A Helping Hand
When you experience an unexpected event, it's nice to know the University of California offers you a fast, affordable option to get the cash you need. With the UC Emergency Loan Program from USE Credit Union, you can get from $500 to $5,000 to help lessen the burden of an urgent situation, and no collateral is required. Click here to learn more about us.

Better Than a Payday Loan
Unlike payday loans, our emergency loans don't feature triple-digit interest rates. Our rates start at just 5.00% with a corresponding APR of 5.39%* when you open a USECU checking account and set up direct deposit of your UC paycheck. Your rate will be .50% higher if you don't choose these options. The upfront cost? We charge a $25 Origination Fee payable once your loan is approved and you decide to move forward.

Important Things to Know
As with most unsecured signature loans, a credit check is required and your final interest rate will be determined according to your credit score. Interest rates are fixed for the term of your loan and can range from 5.00% - 12.50%. You must also be continuously employed by the UC for at least six months with a minimum of 20 hours per week. Sufficient income is also required and you may be asked to provide a current paystub.

Getting Started
Our Online Application is only a click away. Just click Apply Now to get started. As you begin your application, please be sure to select "UC Emergency Loan" in the Personal Loan Information section. If you have any questions, we're here to help 24/7 at 866.873.4968.

Apply Now

All loans subject to credit approval. Terms and conditions subject to change. *Assuming an interest rate of 5.00%, your monthly payment for 24 months on a $5,000 loan would be $150.62 with a corresponding APR of 5.338%. The APR is higher than the interest rate because it reflects the total cost of credit, including both interest paid and the $25.00 Origination Fee.