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.

Terms of Use

Effective date: July 14,2026

These Terms of Use govern your use of FedLendR.com (“FedLendR,” “we,” “us”), operated by Trihouse Consulting LLC. By using this website or submitting a form, you agree to these terms. If you do not agree, do not use the site.

What FedLendR is

FedLendR is an informational and referral website for federal government and U.S. Postal Service employees exploring allotment loan options. We are not a lender. We do not make loans, do not make credit decisions, and do not guarantee that you will be approved for any loan or receive any particular rate, amount, or term. Any loan you obtain is between you and the lender.

How we are paid

FedLendR may receive compensation when you submit a form or connect with a lending partner through our site. This compensation may affect which offers or partners appear. This does not add any cost to you.

Eligibility

To use our forms, you must be at least 18 years old and a resident of the United States. You agree that the information you provide is accurate and belongs to you.

No professional advice

Content on FedLendR is for general information only and is not financial, legal, or tax advice. Loan terms, rates, and regulations vary and change. Confirm details directly with any lender before you borrow.

Third-party lenders and links

Our site links to and refers you to third-party lenders and websites. We do not control and are not responsible for their products, terms, content, or practices. Your dealings with any lender are solely between you and that lender.

No warranty

The site is provided “as is” and “as available,” without warranties of any kind, express or implied, including accuracy, reliability, or fitness for a particular purpose.

Limitation of liability

To the fullest extent permitted by law, FedLendR and Trihouse Consulting LLC are not liable for any indirect, incidental, or consequential damages arising from your use of the site or reliance on its content or any referred lender.

Intellectual property

The content, design, and marks on FedLendR are owned by us or our licensors and may not be copied or reused without permission.

Changes to these terms

We may update these Terms from time to time. Changes take effect when posted, and the “Effective date” above will be updated. Continued use means you accept the updated terms.

Governing law

These Terms are governed by the laws of the State of [insert state], without regard to conflict-of-laws rules.

Contact us

Questions about these Terms:

Trihouse Consulting LLC FedLendR.com Jer@FedLendR.com