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Life doesn't wait. Neither should you.

Whether it’s a surprise proposal, a broken tooth or a "how-did-this-even-happen" moment, you need a loan that’s ready anytime. That’s where the Anytime Loan comes in. Fast funds. No collateral. No drama.

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What’s an Anytime Loan?

Think of it as your go-to for life’s unexpected expenses or the dreams you’re ready to bring to life. Unlike a credit card or payday loan, you’ll get one lump sum with a clear repayment plan and no surprises.

01

Emergency expenses

From medical bills, car repairs or unexpected visits to the vet, the Anytime Loan is on your team.

02

Life’s big moments

Moving cross country? Starting a big project? Planning a dream wedding? Be ready for it with an Anytime Loan.

03

Debt consolidation

Quickly consolidate and pay off high-interest credit card debt with set monthly payments you can actually manage.

Or, come to us with no reason at all.

The best part about our Anytime Loan is that you can use it for anything. No reason needed.

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Weighing your options

Anytime Loans vs. Payday Loans:
Which is right for you?

Both give you access to funds when you need it, so why would you choose an Anytime Loan over a payday loan?

Anytime Loan Payday Loan
Interest Rate As low as 10.74% APR¹ 300% - 600%
Loan Amount Up to $48,000² $100 - $1,000
Repayment Term Up to 48 months 2 - 4 weeks
Monthly Payments Fixed, affordable Lump sum due at once
Fees None² High fees per $100 borrowed

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More ways Earthmover Credit Union can help.

Always at your side

We’re here to help you remain financially stable through uncertain economic times and come out on the other side even stronger. From saving money for a new car to putting away funds for a relaxing retirement—and everything in between—we have the savings accounts you need to feel secure for what lies ahead.

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Working to keep more money in your pocket

Since 2011 we've saved members $51,661,024 by refinancing their loans from other financial institutions. If you have a high-rate loan on your vehicle, your RV, your boat, your mortgage and/or your credit card, come talk with us and let’s work to keep more money in your pocket.

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Saving comes naturally.

Need another reason to become an Earthmover? How about 7.6 million ones? Last year alone, Earthmover was able to collectively save our members $7.6 million compared to customers at larger banks with similar loans and accounts.

At this credit union, you are so much more than just a profit center disguised as an account number. Sure, you’re a member—and a valued one at that. But you’re also an owner with a say in how we move forward.

We invite you to finally just say "no" to those big-box banks with their high rates on loans, low yields on savings and expensive (often hidden) fees.

Aim to save

¹ APR = Annual Percentage Rate. Your rate will be based on the number of years your loan is financed and your individual credit history under our personal credit program. Estimated monthly payment example=$89.00 per $1,000 (payment example is based on 10.74% APR and a term of 12 months).

² Maximum loan amount may vary and depends on creditworthiness, loan purpose, and term. A $60.00 PPFC fee applies for loans under $2,500. Subject to change without notice. Credit union membership required.