A New Beginning Is Possible! Financial freedom... it’s hard to achieve your dreams without it. Our Fresh Start Loans are designed for members who either have no credit history or want to re establish a good credit history and improve their credit score. These loans are helpful for members who have declared bankruptcy within the past 12 months, have previous delinquencies, or limited credit. Apply Now!

Saves You Money Fixed interest rate and 12-month term.	Saves You Time One-hour loan approval guarantee and online access.	Offers Convenience Automatic online payments or payroll deduction.	Peace of Mind Know you are establishing a good credit history and strengthening your financial security.

Who Qualifies?

• Members with bankruptcy within the past 12 months
• Members with previous delinquencies
• Members with limited credit

With A Fresh Start Loan, You Can:

• Rebuild your credit and save money
• Borrow $1,000 (will be held in an account for 12 months)
• Pay a fixed interest rate of 18.99% APR*
• Make regular monthly payments, with interest
• Receive funds at loan maturity
• Apply for an unsecured loan (up to $2,000) after one year of payments

*APR=Annual Percentage Rate. Payment example: A fully protected loan of $1,000 at 18.99% for 12 months would have a payment of $96.35. Members are eligible to take credit life and credit disability. Equal Opportunity Lender.