Payday Alternative Loan (PAL)
A short-term loan that provides an alternative to expensive payday loans and tribal lenders.
Ideal for Emergencies
Although great during emergencies, Payday Alternative Loans are not a long-term budget solution. For further assistance with saving, budgeting, reducing expenses, and eliminating debt, contact us or visit our online Financial Resource Center.
Pay less fees and interest when compared with options offered by payday lenders and tribal lenders.
Better for Your Budget
Many payday lenders require you to repay the amount borrowed in full on your next payday, which can strain your budget. PALs allow you to repay the loan in manageable payments over a few months.
Debt Consolidation Loans
A personal loan used to combine debts, such as medical bills, credit cards, unsecured loans, collections accounts, and more.
Lighten Your Burden
Simplify your life by turning multiple payments into one manageable monthly payment.
Pay Off Debt Faster
Consolidate debts with high interest rates to lower your cost of debt, pay off debt faster, and achieve the long-term goal of becoming debt-free!
Skip Your Loan Payment(s)
This short-term provision allows you to postpone your payment on qualified loans for one month. Skip-a-payment offers are usually available during the summer and winter months.
Extra Cash in Your Pocket
Use the money from skipping your loan payment as you see fit. It can provide just the amount you need to get through a rough patch.
Avoid New Debt
If you have the money you need simply by skipping your loan payment(s), you won’t need to take out a new loan or put balances on your credit cards.
Protects Your Credit
Avoid having missed payments reported to your credit. Skipping your loan payment through this program helps you maintain your good payment history.
Request to Skip Your Payment
Loan Refinance or Modification
Options that amend the repayment terms of a loan.
Refinancing your FiCare loan can give you a more comfortable payment. A word of caution: Refinance fees will apply and your interest rate may be higher than the original loan, costing you more money over the life of the loan.
Since this option can negatively affect your credit score, it is intended only for those struggling with serious repayment difficulties. Speak to our Collections Representatives to see if this option can benefit you.