man thinking about questions

How do I apply for a loan?

It’s fast and real easy to see all the requirements and documentation needed to apply.  Visit our  application page for all the information you need.  

Am I eligible?

You need to be with the post office for over a year, your pay stubs need to show that you are physically at work, working 32 to 40 hours EACH week, with a Net Take home pay of $800 or more, not in the middle of a bankruptcy, and (current pay stubs must show your state and federal taxes being paid where applicable), .

How soon can I get my money?  

Money is transferred by  ACH the next business day except for Friday’s and Holiday’s.

How do I make payments?

Payments are made bi-weekly through your Postal Ease allotment

PostalEASE is the telephone enrollment system for Postal employees and provides convenient and secure access for you to make your allotment or “net to bank” (Direct Deposit) selections

What amount of loans are available?

They range from $0 – $1500 (depending on what state you are in.  Example: Ohio’s lowest loan amount is $1050 – $1500. 

Can I make additional payments

Yes, there is never a penalty to make additional payments, they can be made through money order sent in by mail or increasing your allotment.

May I pay-off my loan early?  

Yes, without a penalty!  Payments came be made by sending a money order by mail.

Is there a cost to apply? 

There is a one-time fee of $25 – $30 depending on your state.

How does this application affect my FICO credit score?

We do not report to the Credit Bureau unless you ask or if you loan is being sent to collections.

How do I check my loan balance, payment history, refinance eligibility?

You can call our toll-free customer service line at  800-620-3502

How can I find out when my last payment will be?  

Please call our toll-free customer service line at 844-620-3502RECEPTIONIST We’ll be glad to help.

We’ve attempted to list all of the frequently asked questions most people ask.  Please don’t hesitate to call us if you have any questions that are not answered on this page or our application page.