Pinal County FCU Go to main content
If you live, work, worship or
attend school in Pinal County

you can join!

Funds 4 Less

Many times an urgent need arises that's beyond your budget. A Funds 4 Less Loan offers fast, confidential lending that provides cash needed to meet a short-term cash flow need.

  • Quick Access to Cash
  • Simple - Easy Application
  • No Credit Checks

How does it work?

  • Only the Primary Member may apply
  • No more than (3) Funds 4 Less Loans in a rolling 6 month period
  • Two references need to be provided
  • Initial loan will be $300
  • Interest rate of 18% APR*
  • Turnaround time will be 24-48 hours
  • You will be required to sign a Loan & Security Agreement as well as Payroll Card.
  • Paystubs may be required
  • Only one Funds 4 Less Loan may be open at a time
  • Cannot pay off one Funds 4 Less loan with another
As the Primary Member do I Qualify?
  • $50 application fee in the account at the time of application
  • Continuous direct deposit of at least $1,000/month
  • Active checking account for at least 90 days
  • Continuous employment for the last six months
  • I'm 18 years or older
  • All accounts are currently in good standing (Including Loans and Credit Cards)
Loan Repayment Schedule Options
  • $300-$399                Up to 2 months
  • $400-$499                Up to 4 months
  • $500-$599                Up to 5 months
  • $600-$700                Up to 6 months 

If you meet the qualifying conditions above, please click here to apply.

*APR = Annual Percentage Rate. Term of loan depends upon amount borrowed. Application fee is non-refundable. Some restrictions apply. See Credit Union for details.

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