When you need fast cash, avoid the sky-high rates of payday advance loans with our affordable, SMART alternative.

•    Borrow up to $2,000 for 12 months
•    Much lower interest rate than a traditional payday advance loan
•    Payments are due with each payroll deposit until the loan is paid in full
•    Must be a Firelands Federal Credit Union member in good standing for at least 3 months and have your payroll directly deposited in a Firelands FCU account
•    Driver's license, proof of residency, and 2 months' worth of pay stubs (unless you have had direct deposit for at least 2 months) required to apply