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Emergency Loan

Emergency Loan Hero
Emergency Loan

Face your emergency head-on

Solve your sudden need for cash, now.

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Access
Access

Apply for up to $5001
Affordable
Afford

Low fixed rate
Acceleration
Terms

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.

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Apply for emergency cash

  • Loan amounts of $100 to $500
  • Short payment terms of up to 3 months
  • Fixed rate of 14.00% APR2 for all loan amounts
  • Repayment of loan term based on principal and interest
  • Must meet Civic requirements as a qualified borrower
apply
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Face your emergency head-on

  • Complete a simple, fast application
  • Pay off early with no penalties
  • Apply for this short-term personal emergency loan
apply
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Solve the situation

  • Pay for unexpected financial needs
  • Avoid high-cost borrowing from secondary or payday lenders
  • Solve your emergency, right now
apply
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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.

I'm ready
Qualified borrower for the emergency loan

You're in control. Borrow for the planned and unexpected with a Personal Loan.

Personal Loan

You have options.

  • No application fees
  • Loan amounts up to $30,000 for individuals and $60,000 for joint accounts
  • Flexible term lengths
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You know that details matter. [And you are in good company.]

Here are a few frequently asked questions:

Disclaimer

1 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.

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 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.