HIT REFRESH

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Bills.
High-interest debt.
Unexpected expenses.

When it feels like everything is demanding your attention at once, it can be hard to know where to start.

Vicinity Credit Union’s Second Chance Loan is designed to help you hit refresh, regain control, and take the next step forward.

Applying for a Second Chance Loan?
Click Apply Now, then select Personal Loans to begin your application.

A Fresh Start Starts Here

The Second Chance Loan is a small-dollar loan designed for people who may not qualify for traditional financing.

Whether you’re trying to pay off collections, move away from payday loans, cover an unexpected expense, or begin rebuilding your credit, we’re here to help.

Loan Features

More Than a Loan

This isn’t just about borrowing money.

It’s about creating a path forward.

Our team will work with you to understand your situation, review your options, and help you build a stronger financial future.

Ready to Hit Refresh?

If you’re ready to take the next step toward financial stability, we’re ready to help.

Applying for a Second Chance Loan?
Click Apply Now, then select Personal Loans to begin your application.

Frequently Asked Questions

How much can I borrow?

Qualified borrowers may borrow up to $2,500.

How long do I have to repay the loan?

Second Chance Loans are available with a 24-month repayment term.

Can this loan help me build credit?

Yes. Making on-time payments may help you establish or rebuild your credit history.

What can I use the loan for?

Many members use Second Chance Loans to replace payday loans, consolidate small debts, or cover unexpected expenses.

How do I get started?

Simply complete an application and our team will review your request.

*Membership eligibility required. All loans subject to credit approval and qualification requirements. Loan amounts up to $2,500. Terms and conditions may apply. Not all applicants will qualify. See credit union for complete details. Federally insured by NCUA.

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