Short-Term Cash Advance Loan

For members who want a small-dollar, short-term loan
without paying huge fees

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Unexpected expenses and cash emergencies can happen to anyone. But you don’t have to end up trapped in a cycle of debt or pay outrageously high rates and fees to high-rate lenders. Introducing the Trojan Advance Loan, a short-term, cash advance loan that helps with your small dollar cash needs, even if you have less than perfect credit or limited income. Pay the emergency personal loan off in 6 months or you have the option to pay your loan in full or in partial payments earlier.

The Trojan Cash Advance Loan provides you cash when you need it most while helping to build your credit and strengthen your overall financial health.


  • Borrow from $100 up to $500, at a fixed rate of 18% APR*
  • Take up to 6 months to repay
  • Lower rate and fees than traditional payday lenders
  • Rebuild your credit with on time payments
  • Cover the unexpected with optional Debt Protection


*Must be a member of USCCU for at least three (3) months

Debt Protection

If the unexpected happens, you don’t want to be compounded by financial worry. With Debt Protection, you may cancel your loan balance or payments in the event of involuntary unemployment, disability, or death. Learn more or ask us for details.

Free Financial Check-Up

We have partnered with GreenPath Financial Wellness to offer free money management and financial education services that put you on a stronger financial path. Get your free Financial Checkup today and get your finances on the right path — the GreenPath®

as low as


Compare Us to Other Payday Lenders

The above calculation was based on a $500 loan amount and a 6 month term.

*Annual Percentage Rate (APR) effective November 1, 2022. Must be a member of USCCU for at least three (3) months prior to submitting a Trojan Advance Loan application. There is a non-refundable $10 application fee at the time of each application. Loan amount of up to $500 with a maximum six (6) month term. Maximum allowable combination of non-current three (3) Trojan Advance Loans or Flexpay Lines of Credit in a rolling 12-month period. Sample payment per $1,000 for 12 months at 8.99% is $87.45. The $50 minimum payment is based on a $284.89 loan amount with six (6)-month term. For illustration purposes only. You will be charged a late fee of the greater of $5.00 or 20% of the finance charge due if your payment is not received within 10 days of its due date. Maintaining a Trojan Advance Loan concurrently with a Flexpay Line of Credit is prohibited. Proof of income and employment verification may be required. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit to confirm eligibility. Rates and terms are subject to change without notice.