For members who want a small-dollar, short-term loan
without paying huge fees
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 small dollar loan that helps with your short-term cash needs, even if you have less than perfect credit or limited income. Pay the loan off in 6 months or you have the option to pay your loan in full or in partial payments earlier.
The Trojan Advance Loan provides you cash when you need it most while helping to build your credit and strengthen your overall financial health.
*Must be a member of USCCU for at least three (3) months
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The above calculation was based on a $500 loan amount and a 6 month term.
*Annual Percentage Rate (APR) effective 10/1/15. Membership with USC Credit Union is required. Must be a member of USCCU for at least three (3) months prior to submitting a Trojan Advance Loan application. Membership fee may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. 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 monthly payment for $500 with 18.00% APR for 6 months is $87.82. 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.