125 North Fulton St. Ithaca, NY 14850
Phone: (607) 273-4611
Toll Free: (877) 273-AFCU      Contact

Back on Track loan

Let Alternatives FCU help you get Back on Track

 
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
  1. Documentation (an invoice, receipt, or estimate) of expense is required. For more information, please speak to a Loan Officer at Alternatives. 
  2. 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
  • Auto repairs 
  • Medical expenses
  • Dental expenses
  • House repairs
  • Veterinarian bills
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.

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Diane Cohen

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.”


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