An allotment loan lets you borrow $500 to $10,000 and repay through automatic payroll deduction.
Your federal employment is the qualification, not your credit score.
What Is an Allotment Loan?
An allotment loan is a personal installment loan designed for federal government employees and US Postal Service workers.
Repayment is handled through voluntary payroll deduction, meaning a fixed amount is automatically deducted from your paycheck each pay period before it reaches your bank account.
Because repayment is built into your payroll, lenders take on less risk.
That’s why allotment loans are available to federal employees even with low credit scores, thin credit files, or past financial setbacks.
Your job stability and income are what matter most.
Loan Amounts
$500 - $10,000
Terms
6 - 48 months
Funding Speed
Same or next day
Credit Requirement
Job, not FICO
Apply anytime. The form is available 24/7.
Submit Your Info
Short secure form. 256-bit SSL encryption. About 3 minutes.
Review Your Offer
See amount, rate, repayment schedule, total cost. No obligation.
Get Funded
As soon as next business day. Timing depends on bank and lender.
Federal Employees across the country have continued to use our allotment loan services network to help them pay for emergency expenses, such as medical bills, mechanic fees, and other bills.
Our network of lenders provides loans for all reasons:
Our Focus: Government Employee Allotment Loans!
Why Federal Employees Use Allotment Loans
Your employment is the asset
Lenders look at your paycheck, not your FICO score.
Repayment is automatic
Deducted from payroll. No missed dates, no overdrafts.
Credit score is not the deciding factor
Employment status and income matter most.
Fast funding
Same day or next business day in most cases.
Who Qualifies
You Do
Eligible
Current federal employees (any agency)
USPS workers
Actively employed on federal payroll
U.S. checking account
You Don't
Active duty military (MLA)
Retired federal employees
Private contractors
What FedLendR.com Does
FedLendR.com is a free online resource that connects federal employees and USPS workers with independent lending partners who offer allotment-style loans.
We are not a lender. We do not make credit decisions, fund loans, or service accounts. We do not charge you anything.
What we do:
- Help you find lenders who specialize in federal employee allotment loans
- Let you compare offers and terms before you commit
- Provide clear information so you can make an informed decision
- Connect you directly with the lender if you choose to apply
What we don’t do:
- Make lending decisions or guarantee approval
- Set interest rates or loan terms
- Access your payroll or financial accounts
- Pressure you to accept any offer
If an offer doesn’t fit your budget, walk away. That’s always an option, and we encourage it.
Testimonials
Testimonial 1:
“I’d been turned down by my credit union twice. A coworker told me about FedLendR.com. I filled out the form, got matched with a lender the same day, and had the funds in my account by Thursday. The whole process took less time than my lunch break.”
— J.R., USPS Mail Carrier, Texas
Testimonial 2:
“I was skeptical at first because I’ve seen too many sketchy loan sites. But the application was simple, the lender explained every term clearly, and the payments come right out of my check, so I never miss one. Wish I’d known about allotment loans years ago.”
— M.J., Department of Agriculture, Virginia
Testimonial 3:
“My car broke down on a Monday, and I needed it for work. I found FedLendR that night, submitted my info, and had a lender offer by Tuesday morning. No hard credit check, and the rate was better than I expected given my credit history.”
— D.S., TSA Officer, Colorado
Frequently Asked Questions
Q: How quickly can I get funded? A: If you’re matched with a lender and approved, funds can reach your bank account as soon as the same business day or next business day. Exact timing depends on the lender and your bank’s processing schedule.
Q: Will this hurt my credit score? A: In most cases, the initial application does not require a hard credit pull. If you accept an offer and proceed with a lender, that lender may perform additional verification. Ask the lender directly about their credit check policy before accepting.
Q: Who is eligible to apply? A: Current civilian federal government employees and USPS workers who are actively employed and receiving pay through federal payroll. Active duty military members are not eligible (they’re protected under the Military Lending Act).
Q: How does payroll allotment repayment work? A: You authorize a voluntary payroll allotment through your agency. A fixed dollar amount is deducted from each paycheck and sent directly to the lender. You don’t have to remember payment dates or write checks. If you leave federal service, contact the lender to arrange an alternative repayment method.
Q: How much can I borrow? A: Loan amounts typically range from $500 to $10,000 depending on the lender, your income, and your employment tenure. Terms range from 6 to 48 months. The lender determines your specific offer based on their underwriting criteria.
Q: Is my information secure? A: Yes. The application uses 256-bit SSL encryption. Your data is transmitted securely and shared only with the lender you’re matched with. We do not sell your information to multiple lenders or third parties.
Q: What if I’m not approved? A: Not all applicants will receive an offer. If you’re not matched with a lender, you won’t be charged anything and your information is not shared further. You can try again in the future as your employment tenure grows.
Q: What happens if there’s a government shutdown? A: Existing allotment loans continue as scheduled once pay resumes. If you’re concerned about a potential shutdown, contact your lender directly to discuss options. Many lenders who specialize in federal employees have policies for this situation.
Ready to Check Your Options?
You work for the federal government. You show up every day. You deserve access to credit that recognizes your job stability, not just a three-digit score.
See what you qualify for. The application takes less than 5 minutes, and there’s no obligation to accept any offer.
Submit your info
Submit our short form secured with 256-bit SSL encryption technology.
Fast Decision
Upon approval, review all terms& rates provided by the lender.
Quick Funding
If approved, your funds can be transferred to your bank account as soon as tomorrow.