Borrow Today.
Prepare for Tomorrow.

Get the funds you need now while creating financial security for your future.

Get funds quickly for
emergency expenses

Start building
positive credit

Create savings for
your future

Estimate Your Loan
Estimate Your Credit Score
300 – 850


Amount you need to borrow


Loan Duration
Min 90 Days - Max 12 Months


Amount you would like to save
Min $25


The Breakdown
Payment Amount

Bi - Weekly
Savings Amount

Deposited Automatically
Total Saved

Let's Go!
Get Started Today!
Rates as low as 9.99% APR*

We’ve all experienced it

The furnace goes out, your car needs repairs, an unexpected medical bill comes up. Whatever the situation, our Caregiver loan can help you handle life's little surprises today while giving you the time and flexibility you need to prepare for tomorrow.

The Caregiver Loan is designed
to be quick and easy.

To qualify you will need:

  • Current Providence St. Joseph Health employment in good standing for at least 6 months

  • Valid photo ID

  • No active bankruptcies or judgments

  • Automatic Payments through Payroll Deduction or ACH

  • Loans up to $2,000

  • Repayment terms from 3 to 12 months

  • As an added bonus, a Providence Federal Credit Union financial counselor will call you to discuss next steps and offer additional help within 24 business hours.

    Don’t want to wait for the call? Click this link to schedule a call time that is convenient for you.

    Schedule Time With Andrew

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Getting Started is Easy

Through an agreement with Providence Federal Credit Union, Providence St. Joseph Health provides employees with access to the Caregiver loan. This loan is for emergencies and unplanned needs. This loan is automatically repaid through payroll deductions or ACH payments. Employees will be charged interest for the loan at a competitive rate.

To be eligible, employees must be actively employed with Providence St. Joseph Health and in good standing with a minimum of 6 months of service. This information will be verified by a Providence St. Joseph Health human resources representative. The loan will be approved by Providence FCU. The employee is required to provide photo identification and open a regular savings (share) account with a minimum balance of $5.00, prior to disbursal of the loan. Loan proceeds will be disbursed to a Providence FCU Caregiver savings (share) account. Eligibility requires no active judgments totaling $500 or more and a minimum of one year from discharge of any bankruptcy.

*You must be a member of Providence FCU to receive a loan. Loans are subject to credit approval. Rates are determined by an evaluation of applicant’s credit and may vary. Other restrictions may apply. Contact Credit Union for details. Member rates and terms for illustrative purposes only.