Allotment Loans Online
Borrow $200 – $5,000 and repay automatically through your federal paycheck. Fixed payments, no collateral, and bad credit considered — check your offer in about five minutes.
From application to funding in three steps
The entire process is online, and repayment is handled by the federal payroll system — not by your memory.
Submit the free application
Tell us about yourself, your agency or branch, and your pay schedule. It takes about five minutes and won't affect your credit score.
Review your offer
Participating lenders review your request and present available offers with clear amounts, terms, and APRs — you are never obligated to accept.
Set up your allotment and get funded
Accept an offer, authorize the payroll allotment, and receive your funds by direct deposit — often as soon as the next business day.
Ready to see your offer? It's free and takes about five minutes.
Get StartedWhat is an allotment loan?
An allotment loan is an installment loan designed for people whose pay is processed by federal payroll systems — civilian federal employees, active-duty military, U.S. Postal Service workers, and federal retirees. Instead of mailing payments or setting up autopay with your bank, you authorize a voluntary payroll allotment: a fixed dollar amount is deducted from each paycheck and forwarded straight to your lender.
That structure changes the approval math. Because the lender is repaid directly at the source, the risk of a missed payment drops dramatically — which is why allotment lenders can often say yes to applicants with credit scores that traditional banks decline. You get a fixed amount, a fixed payment every payday, and a defined payoff date.
It is a practical alternative to payday loans: smaller payments spread across multiple pay periods instead of one lump sum due in two weeks.
Find out how much you could borrow.
See My OfferWhy federal workers choose allotment repayment
Repaid from your paycheck
An automatic allotment covers every payment — no due dates, no late fees, no checks to mail.
Bad credit considered
Steady federal income matters more than your score. Many lenders use soft or alternative checks.
No collateral required
Unsecured installment credit — your vehicle, home, and savings are never at risk.
$200 – $5,000
Borrow what you need, with fixed payments sized to your allotment capacity.
Fast funding
Apply online in about five minutes; approved funds can arrive as soon as the next business day.
Built for federal pay
Designed around myPay, NFC, and OPM pension systems — not generic bank underwriting.
Checking your eligibility won't affect your credit score.
Apply NowTypical allotment loan terms
Your actual offer depends on the lender, your income, and your allotment capacity.
| Loan amounts | $200 – $5,000 |
|---|---|
| Repayment terms | Typically 3 – 24 months, set by the lender |
| APR range | Approximately 5.99% – 35.99%, depending on the lender and your qualifications |
| Repayment method | Automatic payroll allotment from each paycheck |
| Funding time | As soon as the next business day after approval |
| Credit check | Varies by lender — many use soft or alternative checks that don't affect your score |
| Collateral | None — allotment loans are unsecured |
Want exact terms? Submit the free request and compare offers.
Start My ApplicationWho can apply
- At least 18 years old
- Active federal employee, service member, or federal retireePay must support a voluntary allotment (myPay, NFC, OPM, USPS)
- Steady, verifiable incomeSalary, wages, or pension paid through a federal system
- Active checking accountWith direct deposit, to receive funds and support the allotment
- Valid contact detailsEmail and phone so a lender can reach you
- U.S. citizenship or permanent residency
If you match the list, you're ready to apply.
Check Your EligibilityAllotment loans by state
Choose your state for local details on amounts, requirements, and the application process.
Frequently asked questions
What exactly is an allotment loan?
An allotment loan is an installment loan repaid through a payroll allotment — an instruction to the federal payroll system (such as myPay for service members and Defense civilians, or NFC/OPM systems for other federal employees and retirees) to deduct a fixed amount from every paycheck and send it directly to the lender. Because repayment is automatic, lenders can often approve applicants with less-than-perfect credit.
How is an allotment loan different from a payday loan?
A payday loan is due in full on your next payday, which pushes many borrowers into a cycle of repeat borrowing. An allotment loan is an installment loan spread across multiple pay periods with equal, fixed deductions — smaller payments, a defined payoff date, and no requirement to repay an entire check at once.
Who can qualify for an allotment loan?
Allotment loans are designed for people whose pay runs through federal systems: federal civilian employees, active-duty service members, U.S. Postal Service employees, and federal retirees receiving an OPM pension. You will also need a checking account that supports allotments and income that meets the lender's minimum.
What credit score do I need?
There is no fixed cutoff across participating lenders. Because the payment is deducted directly from your pay, many lenders weigh your employment, pay grade, and allotment capacity more heavily than your credit score. Requesting an offer typically involves a soft check that does not affect your credit score.
How much can I borrow, and for how long?
Typical allotment loans range from $200 to $5,000, with repayment terms of roughly 3 to 24 months depending on the lender, your income, and your allotment capacity. Your actual offer — amount, APR, and term — is set by the lender after you submit the application.
How do I repay the loan?
Once you accept an offer, the lender helps you establish a voluntary allotment in your agency's payroll system. A fixed amount is then deducted from each paycheck and forwarded to the lender automatically until the loan is paid off — you never have to remember a due date.
Still have questions? Apply and ask the lender directly — no obligation.
Get StartedNeed funds before your next paycheck?
Complete the free application today and review offers from participating allotment lenders.