Better Choice

Credit Union Better Choice ...

    the smart alternative to payday loans.

The Credit Union Better Choice is a short-term loan offered through paricipating credit unions that offers:

  • 90-Day Repayment Term
  • Flexible Monthly, Bi-weekly, or Weekly Payments
  • $20 Application Fee
  • $200 Minimum Loan
  • $500 Maximum Loan
  • 18% Annual Percentage Rate (APR)
  • A Built-In Savings Benefit
  • Optional Financial Counseling

(NOTE: Must qualify. Borrowers must meet credit union membership requirements and be over age 18.)

Note: contact partcipating credit unions for an application, specific terms and loan amounts.

How can I join a credit union? Click here.

For more details and an application, contact a participating credit union Get a list of participants.

What is a credit union? Click here.

If you are a member of a credit union that is not participating, you should talk to a lending representative at your credit union to see if they can meet your financial needs.

Not a credit union member? Click here to find a credit union in Pennsylvania to join. Not from Pennsylvania? Click here for a credit union national locator.

View the program brochure

The Credit Union Better Choice program is sponsored by the Pennsylvania Credit Union Association in partnership with the Pennsylvania Treasury Department and the Pennsylvania Department of Banking.

better choice

For questions e-mail.