Guaranteed Payday Loans

Post Community Credit Union provides guaranteed payday loans up to $1,000 that are available to members with any credit type. We understand that unexpected expenses can arise at any time, and we want to help you bridge the gap until your next paycheck. Our payday loans are designed to offer a quick and convenient solution to your short-term financial needs. With our high approval rate, you can be sure to get the best deal possible until you meet our requirements.


  • Maximum loan amount: $1,000
  • Repayment term: up to 30 days
  • Interest rate: fixed, from 15% to 25%, depending on the loan amount
  • Late payment fee: up to $25 or 5% of the payment amount, whichever is greater
  • Early payment fee: none
  • Origination fee: none
  • Prepayment penalty: none
  • NSF fee: $30
  • Collateral: no collateral is required


  • You may only have one payday loan with Post Community Credit Union at a time.
  • You must repay your payday loan in full before applying for another one.
  • Failure to repay your payday loan may result in legal action and damage to your credit score.
  • Payday loans are not intended to be a long-term financial solution and should only be used for short-term needs.


Loan AmountRepayment TermFeesTotal CostAPR
$10014 days$25$125651.78%
$50014 days$100$625521.42%
$1,00030 days$150$1,150182.5%

Please note that the APRs shown above are based on a 365-day year and may vary based on the actual number of days in the loan term. Additionally, the total loan cost includes the principal amount and all applicable fees. If you want to calculate the cost for your particular loan amount, don’t hesitate to contact our team for a detailed explanation.


To be eligible for a guaranteed payday loan, you must be a member of Post Community Credit Union in good standing, with a checking account in your name. Note that you may also be asked to meet our minimum credit score requirements. Additionally, you must provide the following documentation:

  • Proof of identity: government-issued ID or driver’s license
  • Proof of income: pay stubs or bank statements
  • Email address
  • Cell phone number


Applying for a payday loan with us is simple and easy. Here are steps to take to get started.

Step 1: Visit your nearest Post Community Credit Union branch and let out loan officer help.

Step 2: Decide on the loan type and amount you need.

Step 3: Provide your proof of income and identification.

Step 4: Fill out your loan application.

Step 5: Wait for a loan approval decision.

Step 6: If approved, get the funds you need within one business day. Depending on the loan, the funds may be given to you as a check or deposited directly into your account.