Emergency Loan

This emergency needs immediate attention and likely cash, fast. Get through it with a short-term Emergency Loan.

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A man calls for help while stranded on the side of the road, knowing he can count on the Civic Emergency Loan to get him back behind the wheel.

Access

When you need fast cash up to $500¹

Affordable

Fixed rates as low as 14.00%% APR²

Terms

Up to 3 months

Solve it with a personal Emergency Loan

It’s urgent, unexpected and you need cash fast. It may be a car repair, an expensive prescription, a family issue, or something else. All that matters is a fast solution. Get through it with a short-term, personal Emergency Loan¹ for up to $500. Solve your immediate need for cash and avoid the high cost of same day payday loans.

A young boy gazes at the fallen trees in the aftermath of a powerful storm, knowing his family can rely on the Civic Emergency Loan for help with recovery.

Terms

Apply for emergency cash

Loan amounts from $100 to $500
Short payment terms, up to 3 months
Rates as low as 14.00%% APR²
Repayment of loan based on principal and interest
Must meet qualified borrower requirements

Features

Face your emergency head-on

Simple and fast application
Pay off early with no penalties (just applause)
Avoid the high cost of borrowing from payday lenders
Solve your emergency and need for cash now

Need emergency cash?

Get an Emergency Loan with a fixed, affordable rate

apply today

Life is digital

So are these everyday financial tools

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Get up close and personal with your credit score

Civic provides ATM access any where in the world.

Get cash from any ATM with reimbursed fees

Send and receive money - fast, safe and easy

Personal Loan

The Personal Loan gives you fast approval for a lump-sum deposit into your Select Savings or Bonus Checking Account. Break large expenses into affordable payments or consolidate high-interest debt with a lower rate.

Fixed principal and interest payments
Term lengths from 12 to 60 months
No origination or application fees

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Classic Credit Card

Lowest possible rates

0% APR on purchases and balance transfers for first 6 months
Interest rates as low as 11.00% APR
Individual loans up to $30,000, joint accounts up to $60,000
No application, annual or cash advance fees

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You know the details matter (and you are in good company)

Here are a few FAQs

What is an emergency loan?

It's a short-term personal loan for $100 to $500 with payment terms up to 3 months. This type of loan can help you avoid high-cost borrowing from secondary or payday lenders.

What does “qualified borrower” mean?

Our loan team will confirm a few things for you to qualify for a Civic Emergency Loan. This includes making sure you are not in open bankruptcy or have any delinquent fees or unpaid charge offs from a Civic account (charge-offs).

Also, you need to have a Civic membership with Direct Deposit set up. And finally, how much you owe each month cannot exceed how much you earn each month by more than 50% (debt-to-income ratio).

Do I have to be a member to get an Emergency Loan with Civic?

Yes, you must be a member of Civic Federal Credit Union with Direct Deposit set up to be considered for a Civic Emergency Loan.

What can I use an Emergency Loan for?

You can use an Emergency Loan to help pay for any sudden and unexpected financial needs.

Where do I send my Civic loan payments?

Whether you mail your loan payments to us directly, or use an external bill paying service, the payment address is:
Civic Credit Union
PO Box 71204
Charlotte, NC 28272

This address is for payments to Civic Personal Loans, Auto Loans, Personal Lines of Credit, and Home Equity Lines of Credit (HELOCs).

Please note: This address is not for Civic credit card or mortgage payments, or for any commercial loans you may have with us.

View All FAQs

Apply today for an Emergency Loan

Get help moving past your emergency with a personal Emergency Loan from Civic.

apply today

1 Subject to approval. Minimum loan amount is $100 and maximum loan is $500, for terms of up to three months. Terms and conditions are subject to change without notice. Borrowers must be at least 18 years old and live in NC, SC, GA or VA.

2 APR = Annual Percentage Rate. The maximum APR for an emergency loan is 18.00%. Loan is subject to approval. Approval of the loan is contingent on establishing a direct deposit with Civic Federal Credit Union. Additionally, direct payment from a Civic deposit account is required. Your direct deposit amount must, at a minimum, cover your minimum payment amount.