Dedicated financial relief for government and postal employees. No FICO credit check. Funds deposited directly to your account — often the same day.
We understand the unique financial needs of government and USPS employees — so our allotment loan program is designed around your payroll system.
We do not use FICO scores. Your federal employment status — not your credit history — is what matters to us. Bad credit? No problem.
Submit your complete application by 12:00 PM ET and receive funds in your account by 5:00 PM ET that same day via ACH direct deposit.
Apply from any device in minutes. No branch visits, no lengthy paperwork. Loan decisions come in under 5 minutes in most cases.
Repay through your federal payroll allotment — automatic, predictable, stress-free. No missed payments, no late fees, ever.
Borrow from $500 to $3,000 with terms of 6 to 12 months. We tailor the loan to fit your actual budget and situation.
When banks say no, we say yes. We specialize exclusively in federal workers, giving us the ability to approve applicants other lenders turn away.
From application to funded account in as little as a few hours.
Fill out our secure online form in minutes from any device — phone, tablet, or computer.
Get an approval decision in minutes — no waiting days. Most applicants hear back within 5 minutes.
Review and e-sign your loan documents including your note and TILA disclosure via DocuSign.
Funds arrive via ACH direct deposit, often the same business day you apply.
Choose the loan amount that fits your situation. All loans repay via federal payroll allotment.
What our borrowers say about their experience.
“I had to have surgery and had not met my deductible. Federal Employee Loans approved me in less than 5 minutes WITHOUT a credit check. I was able to have my surgery without stressing about finances.”
“Federal Employee Loans helped my family pay monthly bills when we were in real need. We were approved immediately and funds were in our account the very same day. I know exactly where to turn if I ever need help again!”
“I just signed my 4th loan agreement with Federal Employee Loans! The process is so fast and easy! They helped me out of a tough spot several times. If you need a quick loan I highly recommend them!!”
If you’re a federal government employee or work for the United States Postal Service (USPS) and need access to cash quickly, an allotment loan may be the ideal solution. Unlike conventional personal loans that rely heavily on your credit score, federal employee allotment loans are designed specifically for government workers and are repaid directly through your payroll system — making them far easier to qualify for and much more convenient to repay.
At Federal Employee Loans, we have specialized exclusively in loans for federal employees and USPS workers since 1990. Our allotment loan program offers amounts from $500 to $3,000, with repayment terms from 6 to 12 months — all without requiring a FICO credit check.
An allotment loan is a type of installment loan where repayments are automatically deducted from your federal paycheck through the government’s payroll allotment system. Because repayments come directly out of your paycheck before it hits your bank account, lenders face less risk — meaning higher approval rates and more affordable terms for borrowers.
Visit our USPS Loans page for more specific information for postal workers, or see our full FAQs for more details.