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Emergency Loan

Home > Borrow > Emergency Loan
Home > Borrow > Emergency Loan

While we are in the midst of a declared public health emergency, we’re ready to help.

The NGFCU Emergency Loan is available to members who are impacted by emergencies that occur as a result of the COVID-19 pandemic. It offers members an affordable source of funds to help cover emergency expenses.

Emergency Loan Summary

How to Qualify

Applicants must live or work in an emergency zone declared by the Federal Emergency Management Agency (FEMA), or declared as a "State of Emergency" by local or state officials. Additionally, applicants must belong to one of the following groups:

Use our Loan Comparison calculator to sort through monthly payments, fees and other costs while comparing loan options.

Loan Calculator

* APR = Annual Percentage Rate. Rate adjusts to a fixed rate after six months. Rates accurate as of April 5, 2020. Rates are subject to change without notice. All loans subject to credit approval.

Loan Description: A closed end unsecured loan to assist members who are victims of an officially declared emergency ONLY. Member's residence or worksite should be in the declared emergency zone by Federal Emergency Management Agency (FEMA) or declared as a "State of Emergency" by local/state official. Loan payment example: $22.38 per month for each $1,000 financed at 3.41% APR for 48 months. 4.24% rate requires automatic payment.

Minimum Term: Twelve (12) Months or One (1) year.

Maximum Term: Forty-eight (48) months or Four (4) years with automatic payment.

Interest Rate Structure: Available only in fixed rate.

Disbursement: Deposit to any share accounts or check payable to member(s) or third (3rd) party.

First Payment: First Payment within 60 days from the date of funding.

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Apply online for immediate assistance.

Just submit our secure Online Loan Application to apply for an Emergency Loan. Select “Disaster Loan” from the drop-down menu.

Apply Now

Important Numbers

Call Toll Free
800-633-2848 (available 24/7)

Credit Card Cardholder Services:
800-633-2848 (available 24/7)

Debit Card Fraud Center:
International Lost or Stolen Card: 727-227-9012

After hours Lost or Stolen Card: 800-754-4128

Members traveling or who reside outside of the US: 727-227-2447

Routing #322276088