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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Becki Hawley

I have had the pleasure of enjoying Alternatives from two perspectives but I couldn't have had one without the other.

When I knew I was moving from southwestern VA to Ithaca, NY, I knew I wanted to work at Alternatives. My partner at the time said it would be the perfect job for me. I read a little online about the mission. I didn't really understand all of it, but it sounded positive and ethical. I had worked in banking for a few years and as a community-minded individual, I thought this could be a good fit. more»


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