MIDFLORIDA, Your Community Credit Union.

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Payday Alternative Loan

A short-term small loan to help you when you need it most

Secure emergency funds

If you are trying to escape the payday loan trap, a Payday Alternative Loan may be able to help. You can use this loan to help payoff existing loans or free up funds for any other cash emergency.

Apply Now

Call our Loan Department at (863) 284-LOAN (5626) or toll free (855) 560-5626 to apply. Or text “LOAN” to MIDFL (64335) during normal business hours and a loan representative will contact you.


  • Borrow up to $500
  • No credit check
  • No collateral required
  • Enjoy a fixed rate and a set 6-month term
  • Make payments conveniently with automatic transfers in Online Banking
  • View loan history in Online Banking

Offer valid as of June 1, 2016, and may be cancelled at any time without notice. A $5 deposit is required for membership with MIDFLORIDA Credit Union and access to this offer. Borrower must have a MIDFLORIDA checking account with direct deposit for a minimum of 3 months. Maximum loan amount is $500. A 6-month unsecured loan of $500 with an annual percentage rate of 27.71% would have monthly payments of $86.66. Borrower must be at least 23 years old and must be employed at current job for the last 6 months. Closing Fee varies by loan amount. See representative for more information. Membership Eligibility Requirements Apply.