Allotment loans from $500 to $3,000 for USPS and federal employees. No FICO credit check. Same-day funding. Repay through your paycheck.
We understand what federal and postal employees need — so our program is designed around your payroll, not your credit score.
We don't use FICO. Your federal employment status — not your credit history — determines eligibility. Bad credit is not a barrier.
Submit by 12:00 PM ET and receive funds in your checking account the same afternoon — often by 5:00 PM ET.
Repay through your federal payroll allotment — automatic deductions, no manual payments, no missed due dates, no late fees.
We specialize exclusively in federal workers, enabling us to approve borrowers that traditional banks routinely decline.
USPS employees — letter carriers, clerks, mail handlers, supervisors — make up the largest share of our borrowers. We built our program around USPS payroll schedules and the challenges postal workers face.
Our streamlined process is designed to get money in your account as fast as possible.
Complete our secure application from any device in about 5 minutes. No branch visit required.
Receive your approval decision in minutes. We don't keep you waiting days for an answer.
E-sign your loan agreement and TILA disclosure via DocuSign from wherever you are.
Money deposited via ACH directly into your checking account — often the same day.
All loans repay automatically through your federal payroll allotment — predictable, stress-free.
"I had surgery and hadn't met my deductible. Federal Employee Loans approved me in under 5 minutes with no credit check. I had my surgery without worrying about the bill."
"Federal Employee Loans helped my family pay our bills when we were in real need. Approved immediately, funds in my account that same day. I know exactly where to turn if I ever need help again."
"Just signed my 4th loan agreement with Federal Employee Loans! The process is so fast and easy. They've helped me out of a tough spot several times. I highly recommend them."
Join thousands of federal and USPS employees who've trusted us for over 30 years. No credit check. Same-day funding. Repay through your paycheck.
Fast, affordable credit designed around how government employees are paid — with no FICO credit check and same-day funding.
Read FAQs →An allotment loan is an installment loan where repayments are automatically deducted from your federal paycheck through the government payroll system. Because repayments come before your paycheck hits your bank account, lenders face less risk — meaning higher approval rates and more affordable terms for federal workers, even those with poor credit histories.
Submit your complete application, signed loan agreement, and required documents by 12:00 PM ET on a business day, and funds are typically deposited into your checking account by 5:00 PM ET that same day via ACH transfer — one of the fastest federal employee loan programs available anywhere in the country.