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Emergency Loan

Emergency Loan Hero
Emergency Loan

Face your emergency head-on

Solve your sudden need for cash, now.


Apply for up to $5002


Low fixed rate


Up to 3 months

Take our helping hand

Sometimes, a little is a lot. Especially in an emergency situation. You may have an expensive prescription to fill, an urgent car or home repair, or unexpected funeral-related costs. Whatever your situation is, you need immediate cash to help you get past it.

The Civic Emergency Loan offers qualified borrowers fast access to up to $500 with an affordable fixed rate. It’s a helping hand when you need it most.

Plummer pointing out a small leak under sink

Apply for emergency cash

  • Loan amounts of $100 to $500
  • Short payment terms of up to 3 months
  • Fixed rate of 14.00% APR1 for all loan amounts
  • Repayment of loan term based on principal and interest
  • Must meet Civic requirements as a qualified borrower
Family looking at emergency loan option

Face your emergency head-on

  • Complete a simple, fast application
  • Pay off early with no penalties
  • Apply for this short-term personal emergency loan
Learning the features of the emergency loan

Solve the situation

  • Pay for unexpected financial needs
  • Avoid high-cost borrowing from secondary or payday lenders
  • Solve your emergency, right now
Mature couple dancing in the kitchen

Are you a qualified borrower?

Our team uses the following criteria to help determine if you qualify for a Civic Emergency Loan:

  • Must not be in open bankruptcy
  • No current delinquent fees or unpaid charge-offs from a Civic account
  • Have a Civic membership with Direct Deposit set up
  • Do not exceed the maximum debt-to-income ratio of 50%

When life throws you a curveball, face it head-on. Reach out to the Civic Emergency Loan team and ease your mind.

Qualified borrower for the emergency loan

Need to build or rebuild your credit? Improve your credit standing with the Civic Credit Builder Loan

Credit Builder Loan

Reach your goals

  • Chose the amount that’s right for you
  • Make payments
  • Improve your credit score
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You know that details matter. [And you are in good company.]

Here are a few frequently asked questions:


1 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 the 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.

2 Subject to approval. Minimum loan amount is $100 and maximum loan is $500, for terms 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.