An allotment loan lets you borrow up to $1,000 for payday loans. Up to $2,500 for installment loans.
Repay through automatic payroll deduction.
Your federal paycheck makes allotment repayment possible.
That's the advantage most lenders can't offer.
Written by Jer Ayles | 20+ years in consumer lending | About the author
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 deducted from your paycheck each pay period before it reaches your bank account.
This deduction is authorized under 5 CFR 550, Subpart C, the federal regulation that permits agencies to allow discretionary allotments from employee pay for legal purposes, including loan repayment.
Loan Amounts
$50 - $2,500
Terms
6 - 48 months
Funding Speed
Funds may be available as soon as the next business day
Credit Requirement
Built for federal paychecks. Allotment repayment through your payroll is what makes this loan different.
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.
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 for an Allotment Loan
You Do:
Eligible Current and retired federal employees (any agency)
USPS workers
Actively employed on federal payroll
U.S. checking account
You Don’t
Active duty military (MLA)<BR>
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.
Allotment lending is made possible by the federal allotment regulations that permit agencies to process voluntary payroll deductions on behalf of employees.
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 and heard back from a lender fast. 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
Q: What is an allotment loan?
A: An allotment loan is a personal installment loan for federal government employees and USPS workers where repayment is handled through voluntary payroll deduction. A fixed amount is taken from each paycheck before it reaches your bank account.
Q: How quickly can I get funded?
A: After a lender reviews your information and you accept an offer, funds may be available as soon as the next business day. Exact timing depends on the lender and your bank’s processing schedule.
Q: Will this hurt my credit score?
A: The initial application at FedLendr does not affect your credit score. If you accept an offer and proceed with a lender, that lender may perform additional verification. Ask the lender directly about their credit review 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. This includes employees of any federal agency: USPS, TSA, VA, DOD civilians, IRS, CBP, and all others paid through the federal payroll system. Active duty military members are not eligible — they are protected under the Military Lending Act (MLA), which caps loan rates at 36% APR for servicemembers.
Q: How does payroll allotment repayment work?
A: You authorize a voluntary payroll allotment through your agency’s payroll system. Federal civilian employees set this up through their agency’s human resources or payroll office. USPS employees use the PostalEASE system. 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. The Office of Personnel Management oversees the regulations governing federal employee allotments. If you leave federal service, contact the lender to arrange an alternative repayment method.
Q: How much can I borrow?
A: Loan amounts vary by lender and depend on your income, employment tenure, and the lender’s underwriting criteria. The lender determines your specific offer based on their review of your information.
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 reviewing your application.
Q: What if I do not receive an offer?
A: Not all applicants will receive an offer. If no lender extends an offer, you will not be charged anything and your information is not shared further.
Q: What happens during a government shutdown?
A: Existing allotment loans continue as scheduled once pay resumes. If you are concerned about a potential shutdown, contact your lender directly to discuss options. Many lenders who specialize in federal employees have policies for this situation.
Q: Is FedLendr a lender?
A: No. FedLendr is not a lender and does not make credit decisions. We are a lead generator that connects federal employees and USPS workers with independent lending partners. All lending decisions are made by the individual lender.
Learn More About Allotment Loans
The Straight-Talk Guide to Allotment Loans
Everything you need to know about getting cash from your paycheck, explained in plain English.
Best Government Employee Loan Options (2026)
Updated comparison of allotment loan options for federal workers this year.
Allotment Loans for USPS Postal Employees
Loan options specifically for postal workers, including how to set up allotment through PostalEASE.
Emergency Funds for Federal Workers
What to do when you need cash fast and your credit union said no.
Best Allotment Loans for Federal Employees
How to find the right allotment loan when your credit score is working against you.
Allotment Loans for Federal Employees and USPS Workers
The complete breakdown of who qualifies, how it works, and what to expect.
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.