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Mini-Loans now available to ALL members!

Mini Loans are an easy and quick loan with NO credit checks. The perfect loan product if you need extra cash without the need to wait for underwriting (typically same day turn around). Review qualifications below.


  • Full-time employees working at one of our select employer groups: 1-month on the job
  • Part-time employees working at one of our select employer groups:
    • 6-months on the job
    • Work 25 hours per week or more
      (If you work 24 hours or less but have additional income from another job, we can take that into consideration)
  • Members that work anywhere else:
    • Need to have at least 6-months of direct deposit/payroll deductions coming into the credit union

Loan details:

  • Loan limits: $100-$2,000
  • Term: 1-12 months
  • No credit checks
  • $20 application fee (due when you submit your loan app)
  • Loan repayments set up off of the direct deposit/payroll deduction
  • Only 1 Mini-Loan per member


Conveniently apply online! Please be prepared to provide proof of income (i.e. your last two pay stubs, most recent W-2 or a statement from your financial institution showing two or more regular direct deposits). Proof of income can be uploaded via online banking. NIU employees (only) are welcome to fill out the NIU's income verification form.

Loan processing takes approximately 24-48 hours to respond to a request. We make every effort to determine how we can help your financial well-being. In the instance we are not able to offer the loan requested, we will sometimes counteroffer a product or service we feel would help you.

Apply Today