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Pay Advance Line of Credit (PAL)

Need a short term Pay Advance? If you have at least 6 months history of payroll deposits with us and a Fair Isaac credit score of 525 or greater, you may qualify for up to a $500.00 Pay Advance Line of Credit.  Advances will require payments through automatic transfer from your TruGrocer account. The Annual Percentage Rate (APR) is 18.00% with an estimated repayment term of 3 months.  The PAL must be paid in full prior to receiving a new advance with a limit of 6 advances per calendar year.

An initial $25 non-refundable application fee is required prior to processing a PAL request.

PAL Credit Limit PAL Monthly Payment
$500.00 $175.00
$400.00 $140.00
$300.00 $105.00
$200.00 $70.00
  • Annual Percentage Rate is called the APR.
  • Number of monthly payments is the Term.
  • Amount of the monthly payment is the Payment.