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Pay Advance Line of Credit (PAL)

Need a short term Pay Advance? If you have been on your current job at least 6 months to a year, have
direct deposit into your credit union account and have a Vantage credit score of 560 or greater, you
may qualify for up to a $1,500 Pay Advance Line of Credit. Payments may be setup through automatic
transfer from your TruGrocer account. The Annual Percentage Rate (APR) is 18.00% with an approximate
repayment period of 3 to 12 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

Approximate Repayment Period

$1,500 $140 12 Months
$1,250 $115 12 Months
$1,000 $95 12 Months
$1,000 $180 6 Months
$750 $135 6 Months
$500 $175 3 Months
$400 $140 3 Months
$300 $105 3 Months
$200 $70 3 Months
  • Annual Percentage Rate is called the APR.
  • Number of monthly payments is the Term.
  • Amount of the monthly payment is the Payment.
  • Rates Subject to Change