When unexpected expenses come your way, we can help you get Back on Track.
Documentation of expense is required.
Back on Track loan features
Maximum loan amount: $4,000
Maximum loan term: 48 months
8% APR (Annual Percentage Rate) – no matter your credit score (lower than most credit card rates.)
Simple application process
How it works
Documentation (an invoice, receipt, or estimate) of expense is required. For more information, please speak to a Loan Officer at Alternatives.
Loan funds will either be made payable directly to the vendor, or to you if you have already paid the expense.
Examples of eligible expenses
Loans are carefully reveiwed on a case-by-case basis. If you have a loan need that is not covered by the above list, please contact a member of the Alternatives Lending team. When an unexpected expense comes up, get Back on Track with Alternatives FCU.
Consumer lending at Alternatives FCU Alternatives offers loans at competitive rates for all credit scores. We are also happy to work with you to assist in improving your credit score. When you handle small loans successfully, you can build up to larger amounts and better rates. Responsible borrowing gives you a way to move towards financial self-sufficiency. Borrowing, when used responsibly, can be a positive strategy
towards greater wealth.
Your gift to Alternatives Impact helps our community!
The Finger Lakes ReUse Center was awarded The Jeff Furman Award for Social Responsibility in Business at Alternatives’ 2012 annual meeting, with Executive Director Diane Cohen accepting the award. Cohen expressed her thanks: “We will hang the award prominently and proudly in our Reuse Center, and as we grow, we will continue to use this as a beacon, to continue our efforts to maximize our capacity to provide opportunities and relieve hardship. We know we are in solidarity with Alternatives on these issues. We're a young organization with a mission to enhance community, economy, and environment through reuse, and a priority to serve our community well. Receiving this award has been an honor and an affirmation.”
Alternatives Federal Credit Union ("Alternatives") provides a hyperlink to Google Translateï¿½ for convenience only and without any responsibility for the accuracy of translations. Alternatives has no control over this unrelated, free and entirely computerized translation program. Computerized translations are only an attempted approximation of the websiteï¿½s original content and thus Alternatives makes no representations or warranties of any kind with respect to the accuracy, reliability or completeness of any translations. Persons using translated information do so at their own risk.