Short-Term Emergency Loan
HELP for quick access to emergency cash.
HELP Is On The Way For Urgent Needs
When a short-term need arises, our Honest Emergency Loan Program (HELP) is better than a payday loan, which can trap you in a cycle of high-interest debt.
HELP – Features & Benefits
Life happens! And HELP – our Honest Emergency Loan Program – is designed to provide you with some cash support when emergencies occur.
- Affordable fixed rate
- Borrow up to $1,000 to cover urgent needs
- Repayment period of up to 6 months 1
Due to its unique nature, the HELP loan has some special requirements:
- Member must provide two recent pay stubs
- Member must have had at least one previous loan with NIHFCU
- Previous loan(s) did not cause NIHFCU a loss
- Only one HELP loan allowed at any one time
Today’s Rates
|
Loan Type |
Annual Percentage Rate (APR) 1 |
|---|---|
|
Rates, fees and terms as of 01/20/2026 and subject to change without notice. 1Restrictions may apply. Payment example: Loan of $1,000.00 at a rate of 18.00% APR for 6 months would have monthly payments of $175.53. |
|
|
Loan Type HELP Loan |
Annual Percentage Rate (APR) 1 18.00% |