Who can apply?

Loans Made Easy

Fill Out Contact Form

Just click here and give us a little information for one of our representatives to respond.

Turn-Around Time

Once we receive a completed application and documentation, we will contact you within 24 hours with a lending decision.

Direct Deposit

Once you have been approved we simply ACH deposit the money into your checking account, where it is often available the next day.

Benefits of a Federal Employee Loan

What the Federal Employee Loans society is saying

I was in a pinch and needed a small personal loan, and quick. Federal Employee Loans made the entire process easy and I had my money in less than a week from start to end. I highly recommend them! - John, Tampa, FL
I first heard about Federal Employee Loans from a co-worker. I wanted to take my family on a vacation and thanks to Federal Employee Loans, I was able to do so. It’s nice knowing I have a place to turn for a small loan when needed. Thank you!! - James, Dover, DE
Amazing staff and super fast service. I was under the impression getting a loan would be a long process. I couldn’t believe how easy and fast it actually was. It was a straightforward process and they helped me out. They exceeded my expectations! - Mia, Chicago, IL

Frequently Asked Questions

Who is eligible to apply for a loan?

USPS, Federal Government and other eligible employees residing in Delaware, Illinois, Mississippi, Missouri, New Mexico, South Carolina, Tennessee, Texas, Utah, and Wisconsin only. Federal workers include employees of VA, TSA, HHS and other non-military governmental agencies. Other eligible employees include anyone who works for a non-federal government entity or company that provides direct payroll deductions for loan payments.

How much can I borrow?

Our loan approval ranges from $500 to $3,000 – depending on laws in your state and our underwriting approval process.

How can I apply for a Federal Employee Loan?

You can apply directly through this website. To apply online click here. or Please contact our office at 1-855-236-1976.

How quickly will I receive my loan?

Often by the next business day after we receive your signed loan agreement.

What are the fees?

A one-time underwriting fee of $25.00 are charged to each loan and will be deducted from your loan amount when funded.

How and when will I know my loan has been approved?

Once all documents have been received the information will be processed and verified. If your application is approved we will contact you by telephone or e-mail.

How will I receive my loan?

Once your application has been approved, we will send you formal loan documents. Once you sign and return the loan documents, your loan proceeds will be wired into your checking or savings account.

How will I repay my loan?

Payments are due bi-weekly. While the majority of our clients utilize their Federal Allotments, payments can also be made via payroll deduction, debit card, ACH, check or money order.

Can I apply for an additional loan after I get my first one?

Yes. After 50% of your payments are made you can apply for a new loan. The new loan will be used to pay off the first loan and the net amount left over will be sent to you. For example, if your loan is 22 payments, you can apply again after 11 payments.

Can I change my mind after receiving a loan?

Federal Employee Loans abides by the Consumer Financial Services Association of America Best Practices and State laws regarding rescission, which enable you to rescind the transaction at no cost within a three-day time period by returning the full amount of the loan.

How does the application process work?

Once you have answered a few preliminary questions, an application will be emailed to you via DocuSign. This document can be viewed and answered through your computer, a personal device (I-pad), or smartphone. Upon receiving a completed application with requested supporting documents, an underwriting decision will be made, and you will be contacted. If acceptable, a promissory note and truth – in – lending disclosure will be again sent to you through DocuSign. Once those documents are returned, your funds will be ACH deposited if before 4:00 ET (if not the following day). The entire process can be completed on the same day if you provide what we request in a timely fashion.

Does Federal Employee Loans serve military customers?

Due to changes in the Military Lending Act effective October 3, 2016, Federal Employee Loans is not available to applicants listed as Covered Borrowers in the Military Lending Act database, including qualifying active duty service members and their dependents as defined in 32 C.F.R. 232. https://mla.dmdc.osd.mil/

Loans Available in these States*:

30 + years experience in the Small Consumer Installment Loan Industry.

Federal Employee Loans is dedicated to providing small consumer installment loans to active employees of USPS and the Federal Government that reside in the following states: Delaware, Illinois, Mississippi, Missouri, New Mexico, South Carolina, Tennessee, Texas, Utah and Wisconsin. Our main goal is making you a happy, life-long customer.