Loans
HELP Loans
When you least expect it, you could require emergency access to cash. If this happens to you, get a little H.E.L.P. from NIHFCU’s Honest Emergency Loan Program.
Loan amounts of $1,000 are available at an 18% fixed APR (Annual Percentage Rate).
When you are ready to apply, we invite you to stop in to any of NIHFCU’s 10 branch locations.
Repayment must be made in 4 monthly payments, 8 semi-monthly payments, 9 bi-weekly payments, or up to 18 weekly payments. All member accounts must be positive balances and loans must be current. Member must show official ID and a recent pay stub at time of application. First payment due a minimum of 10 days after the advance or the next direct deposit date. If the member is more than 10 days late on a payment, a fee of 5% of the past due amount or $20 (whichever is greater) will be assessed. Limit one (1) HELP loan per member at a time.
