Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
Personal/Loans
Freedom First Credit Union

Payday Relief Loans

Personal/Loans
Branded Star Mark
Branded Star Mark

Break the Debt Cycle With a Payday Relief Loan


If you have a high-interest loan from a payday lender, title lender, or even a pawn shop — contact Freedom First or visit a branch to find out if you qualify for an affordable loan with a lower interest rate and regular monthly payments.

Don't Fall Deeper into Debt with Hidden Interest Fees

Installment or payday loans can be deceptively expensive. Customers are pushed by predatory lenders to renew their loans over and over again. The practice of payday lending is slowly being regulated out of existence, but it's unclear where people with modest means will find short-term loans instead. That's why we developed our safe, low-interest Payday Relief Loans.

(Select Payday Relief Loan in the drop down menu of the Personal Loan application form.)

Every 90 seconds, $67,000 in new payday loan debt is issued in the USA. Roughly 2.5 million American households use payday loans each year. It has grown to a $40+ billion industry.*

Smiling woman with caption: Payday relief, 127 loans for an average of $849 per loan, #bankforgood

Questions? Call our Contact Center (540-389-0244 local / 866-389-0244 toll free) or visit a branch to learn more.


In 2016-2017, Freedom First issued 127 Payday Relief Loans. The average amount per loan was $849 — most banks won't approve unsecured personal loans below $3,000.

*Source: Pew Research, The Economist
View a full listing of our Products and Services:

Looking for a phone number, address, or other basic info?

Our calculators can help you figure out your personal finances and set savings goals. 

Calculator icon.
Assess your credit as "Good," "Fair," or "Needs Improvement."

Calculator icon.
See what it will take to pay off your credit card balance.

Calculator icon.
Determine whether or not debt consolidation is right for you.

Calculator icon.
Determine how much emergency savings you may need, and how you can begin saving.
Calculator icon.
See how much you have left to save and where your money is being spent.

Calculator icon.
Find out how much you owe to get started on a debt management plan.

Calculator icon.
What will it take to reach your financial goal? This calculator helps you find out.
Calculator icon.
See how consolidating your student loans can help you pay off high interest debt sooner.


An aerial shot of Carvin's Cove, a mountain view with a lake.
Find Your Freedom
With our free Financial Education.