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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Express Employment Professionals, Kathy Nivison

With a background of 15 years in Human Resources, Kathy Nivison started up the Ithaca office of Express Employment Professionals to better serve local employment and recruiting needs. Kathy approached Alternatives for a business loan, and was impressed with both the loan's low interest rate, as well as the quick response from Bob Anderson, the business loan officer at Alternatives.

Kathy took advantage of our "Women and Minority" subsidized loan, which helps women and minority borrowers who have a minimum of one year in business and are looking for assistance with continued growth and expansion.


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