Mid-City branch is closed for the remainder of today, 09/08/26 and 09/09/26, due to a facility issue. We apologize for the inconvenience.

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Rescue Loans

Falling short before your next payday? Our Rescue Loan is a fast, simple loan to get you through a tight spot without the sky-high rates and fees of payday lenders.
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A lifeline when you need a small cash boost

A Rescue Loan can provide the money you need with affordable repayments.

  • $500 repaid over 9 months*
  • $1,000 repaid over 12 months*
  • Lower rate than typical title loans or payday loans
  • $20 non-refundable application fee

Your loan amount is based on your monthly income:

  • $500–$1,500/month in income: eligible for $500
  • Over $1,500/month in income: eligible for $1,000

Enroll in automatic payments so you never miss a due date, and stay on track toward paying off your loan stress-free. Plus, keep track of your balance – it’s all available in our free and easy online banking.

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Loan requirements

How it works

To qualify for a Rescue Loan, we ask you to meet a few requirements. If you have any questions or aren’t sure if you qualify, please give us a call. We’ll be happy to discuss your situation and review your options.

1

You must be 18 years of age or older.
2

You must have a Firemen's Federal account in good standing.
3

Your account must have been open for at least 90 days (for the $500 loan) or 6 months (for the $1,000 loan).
4

You must have steady employment and direct deposit into your Firemen's account.

Need a better financial plan?

A Rescue Loan can help with today, but if you want long-term stability, a financial counselor can help you make a plan for the future. As a Firemen’s Federal member, you have access to GreenPath Financial Wellness – a confidential, professional financial counseling service.

Explore Financial Counseling

What our members say

Building credit

"I was with another bank and tried for two years to get them to help me with my credit. At Firemen’s, the people were so nice and friendly and helped me open an account and start to build my credit. I thought it was pretty awesome because I was beginning to think there was no hope."

- Melody M.

Best rates

"Before joining Firemen's, we had several accounts at several banks. Firemen's allowed us to move all of our accounts to one place. We also have purchased two vehicles through the credit union. They really went above and beyond to assure that we got the best rates. We are truly happy with our Firemen's!"

- Walter A.

Help during tough times

"I was going through a rough time and was unsure of how I would be able to afford Christmas, much less the regular bills I had coming in. Firemen's truly work with you to fit your needs and make it a fast process. I will definitely be keeping them in mind for future financial needs. I love this credit union. I was able to get over the little 'bump in the road' I had with ease, and I am truly grateful."

- Stacey T.

We're here to help

Rescue Loan FAQs

A Rescue Loan is a small, short-term loan designed to help you cover unexpected expenses or get through a financial gap until your next paycheck.

Rescue Loans typically offer lower rates, structured repayment terms, and more manageable payments compared to high-cost payday loans.

To qualify, you must:

  • Be 18 years of age or older
  • Have an NOFFCU account in good standing
  • Meet account age requirements (90 days for $500 loan or 6 months for $1,000 loan)
  • Have direct deposit of at least 51% of income into your account from the same employer
  • Provide two most recent pay stubs and proof of address
  • Have no active bankruptcy

You’ll need:

  • Two most recent pay stubs
  • Proof of address
  • Verification of eligibility requirements

No. Only one Rescue Loan may be open at a time.

After you get a Rescue Loan, we ask you to wait 90 days before applying for another one.

You can apply by visiting your nearest branch and speaking with our team.