Emergency Loan Solutions

Cover costs without draining your savings. Centric is here to help!

Emergency Loan Solutions

Centric offers loan solutions that supports members facing unexpected expenses such as home or vehicle repairs, utility disruptions, lost wages, or temporary displacement. These solutions reinforce Centric’s mission to help members live better during times of crisis.

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Skip-A-Pay

Skip-a-Pay without a fee now through February 28, 2026 on eligible loans. Click here to learn more.

Interest will begin to accrue once loan is funded, if applicable.

Emergency Loan

Allowable Uses | Loan funds may be used for storm-related needs, including:

Home or vehicle repairs
Temporary housing or emergency travel
Utility bills and essential living expenses
Food, fuel, and income disruption support

Eligibility

Active Centric members in good standing (No Centric charge-off, credit eligibility)
Self-certification of hardship related to Winter Storm Fern
Accessible to members with limited or challenged credit histories, within policy guidelines (credit eligibility required)

Term, APR, and Loan Amount*

12- 18 month term
8.99% APR
Loan amounts up to $2500

* Emergency Loan Payment Example:

For example, a $1,000 Emergency Loan repaid over 12 months at an available 8.99% APR would require 12 monthly payments of $87.45. A loan repaid over 18 months at 8.99% APR would require 18 monthly payments of $59.59.

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