What is an allotment loan?

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.

How quickly can I get funded?

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.

Will this hurt my credit score?

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.

Who is eligible to apply?

Current civilian federal government employees and USPS workers who are actively employed and receiving pay through federal payroll. Some lenders also work with retired federal employees receiving OPM pension payments. Active duty military members are not eligible under the Military Lending Act.

How does payroll allotment repayment work?

You authorize a voluntary payroll allotment through your agency's payroll system (NFC for most federal agencies, LiteBlue for USPS). A fixed dollar amount is deducted from each paycheck and sent directly to the lender. If you leave federal service, contact the lender to arrange an alternative repayment method.

Is my information secure?

Yes. The application uses 256-bit SSL encryption. Your data is transmitted securely and shared only with the lender reviewing your application.

What if I do not receive an offer?

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.

What happens to my allotment loan during a government shutdown?

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.

Is FedLendr a lender?

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.

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Personal Loans for Federal Employees

Allotment Loans for employees of the federal government & US postal workers

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About FedLendR

FedLendR.com is a free educational resource that helps U.S. federal government and USPS employees understand allotment loans and payroll-deduction borrowing, and connects those who choose to apply with independent lending partners. FedLendR is short for “Federal Lender.” We are independent and privately owned. We are not affiliated with the Federal Reserve, the U.S. Postal Service, or any federal agency.

Important Disclosures

This website does not constitute an offer or solicitation to lend. FedLendR is not a lender. We do not make loan or credit decisions, and we do not broker loans. We are not an agent or representative of any lender. We operate as a lead generator: our role is to provide lenders with information about prospective consumer borrowers who choose to submit it, and we may be compensated by lenders for this service.

No application fee: FedLendR does not charge an application fee to submit your information.

Information About Loans

Not all lenders can provide loan amounts up to any maximum amount that may be advertised. The maximum amount you may borrow is determined by the lender based on its own policies (which can vary) and your creditworthiness. Submitting your information online does not guarantee approval or any specific loan amount.

Availability and terms vary: Loans are not available in all states. Amounts and terms vary by state and lender.

Timing and documents: The time to receive loan proceeds varies among lenders. In some situations, faxing of loan request form materials or other documents may be required.

Every lender has its own terms and conditions and renewal policy, which may differ from lender to lender. You should review your lender’s terms and renewal policy before signing the loan agreement. Late payments may result in additional fees or collection activities, or both.

Not a long-term solution: Short-term loans are not a long-term financial solution. Please borrow responsibly and only if the payment fits your budget.

Basic Eligibility

By using this website or our services, you represent and warrant that you are at least 18 years old, that you are a resident of the United States, and that you are not a resident of any state where the loan you are applying for is illegal.

Military Lending Act: The loan products featured on this site are offered to civilian federal and USPS employees. They are not offered to active duty members of the armed forces or their covered dependents, who are protected under the Military Lending Act.

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