Back to School Helper Loan
Get Ready for Success
The back-to-school season should be exciting, not financially overwhelming. Whether you're preparing kids for a new school year, heading to college, or need to reset your finances after summer spending, our Back-to-School Helper Loan provides quick access to funds with a straightforward application process and manageable payments that won't disrupt your fall budget.
A Smarter Way to Fund Your Fall
From school supplies and new clothes to college textbooks and dorm essentials, our Back-to-School Helper Loan gives you the flexibility you need. It's also perfect for paying down credit card debt from summer activities or replacing household items before the busy school year begins. Choose between $500 or $1,000 to match your needs, with affordable monthly payments that fit your financial plan. With a competitive 10.49% APR and a 12-month term, you can tackle the school year with confidence.
Simple Process, Quick Results
We've streamlined everything to get you the funds you need without the usual hassle:
No credit check required
No employment verification needed
No application fee
Same-day approval possible
Funds deposited directly into your Surge checking account immediately after signing
Straightforward eligibility requirements
Choose Your Perfect Amount
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Monthly payment of about $45
Perfect for school supplies, clothes, or paying down debt
Manageable 12-month repayment term
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Monthly payment of about $90
Ideal for college expenses, major purchases, or debt consolidation
Same easy 12-month repayment term
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If you are looking for more than $1,000 without collateral, then we recommend applying for our Signature loan which is available up to $5,000 depending on creditworthiness, income verification, and membership eligibility.
Quick Approval Process
Getting started is easy. Simply visit any Public Service Credit Union branch or apply online. With no credit check or employment verification required, you can receive approval quickly and have funds in your Surge checking account the same day you sign your loan documents.
Peace of Mind Included
When you choose a Back-to-School Helper Loan, you're choosing a transparent, straightforward financial solution from a credit union that puts its members first. You'll know exactly what you're paying each month, with no hidden fees or surprises.
Terms and Conditions
This Limited Time Offer is available now through September 15th, 2025. Annual Percentage Rate (APR) is 10.49%. Minimum payment required for $500 loan is $44.08 monthly. Minimum payment required for $1,000 loan is $88.16 monthly. Terms and conditions apply. To be eligible for this loan product, you must be a member of Public Service Credit Union at least 18 years old and have caused no previous losses with the Credit Union. Loan payments must be made on time to maintain eligibility for future unsecured loans without additional verification requirements. Membership requires a minimum balance of $25 in a Public Service Credit Union Shares Account. Insured by NCUA.