Payday Alternative Loans

Mid Cities Credit Union can help you get out of tight financial situations, without the hefty fees Payday Lenders typically charge. It’s a stress-free way to get quick cash.


  • Loan amounts from $100 to $1,000 (not to exceed net paycheck amount).
  • Current interest rate is 24.99% APR.
  • $40 application fee for amounts between $100 to $500 and $50 application fee for amounts between $500 to $1,000.
  • Loans must be paid within 30 days.


  • Available only to members in good standing, may not have charge off loans with the credit union, and must have been a credit union member for a minimum of six months.
  • No credit report or debt ratio calculation will be required. A ChexSystems report will be reviewed at the time of the first advance request.
  • A payday loan application is good for 12 months from the date of completion. Once the application has been approved, each advance request will be accompanied by a current pay stub.
  • Loan must be paid in full before subsequent advances will be granted
  • Member must have Direct Deposit or Payroll Deduction

Apply for a Loan Today


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