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Quick and easy access to money when you need it

Lower Fixed APR | No Penalty | Lower Fees

Quick and easy access to money when you need it

Lower Fixed APR | No Penalty | Lower Fees

Short-Term Loans

Emergencies and unforeseen expenses can disrupt even the best-laid plans. A Short-Term Loan from Redstone helps you get by when cash is tight.

You don’t have to pay the high rates and fees that payday lenders often charge! Redstone’s Stretch & Save Loans and Payday Alternative Loans (PAL) are designed to help you make it to your next paycheck while building your credit. With a short-term, small-dollar loan from Redstone, you can borrow what you need for today and make smart financial decisions for tomorrow.

Why choose a Redstone Short-Term Loan?
Lower fixed APR

than traditional payday-lender loans

Lower fees

than those charged by payday lenders

Credit-building opportunities

so today’s wise choices can support a brighter future

Support you can trust

from a reputable institution that puts members first

No penalty

when you’re ready to pay off your loan early

I am looking for:
Stretch & Save Loans
  • Minimum loan amount of $500; maximum of $2000
  • Twenty percent of loan amount set aside in your Brighter Day Savings account that will earn dividends
  • Required savings made available upon payoff of loan
  • Minimum repayment term of six months; maximum of 18 months*
  • Seventeen percent fixed annual percentage rate** (APR**) with repayment made through a pre-authorized transaction
  • Eighteen percent fixed APR if repayment is made another way
  • Thirty dollar non-refundable application fee***
  • Must be a member for at least one year
Payday Alternative Loans (PAL)
  • Minimum loan amount of $200; maximum of $500
  • Minimum repayment term of one month; maximum of six months*
  • Twenty-six percent fixed APR with repayment made through a pre-authorized transaction
  • Twenty-eight percent fixed APR if repayment is made another way
  • Twenty dollar non-refundable application fee***
  • Must be a member for at least six months
Payday Alternative Loans (PAL II)
  • Minimum loan amount of $501; maximum of $1500
  • Minimum repayment term of six months; maximum of 12 months*
  • Twenty-six percent fixed APR with repayment made through a pre-authorized transaction
  • Twenty-eight percent fixed APR if repayment is made another way
  • Twenty dollar non-refundable application fee***
  • Must be a member for at least one year
  • Twenty percent of loan amount set aside in your Brighter Day Savings account that will earn dividends
  • Required Brighter Day Savings made available upon payoff of loan
Ready to Apply for a Short Term Loan? It's Easy!



Could you use FREE, confidential financial advice? We’ve partnered with BALANCE to offer our members counseling about getting out of debt, saving for milestones, and setting smart financial goals. To speak with a counselor, call 1-800-777-7526 or visit the BALANCE website. Monday–Thursday 5 AM–8 PM, Friday 5 AM–5 PM, Saturday 8 AM–5 PM (Pacific Time)




Must be eligible for membership and open a savings account to obtain a loan product. A $5 minimum balance is required to open a share savings account and must be maintained in the account at all times. RFCU® is an Equal Credit Opportunity Lender. Contact us for more details.

Rates current as of .

Stretch & Save Loans:
Not more than three Stretch and Save loans in any rolling six-month period. Must have no active Stretch Loans or Stretch & Save Loans and no co-borrowers are permitted. Requires verification of residential address and verification of income, if not a direct deposit to RFCU. Subject to credit approval, a minimum of one-year membership required, must not have caused RFCU a loss, and all accounts have to be in good standing (e.g., not in the negative, including joint accounts and no delinquent loans), and other restrictions apply.

*Payment Examples for Stretch & Save loan, PAL I, and PAL II:

Example for Stretch & Save Loan: The monthly payment for a $2,000 loan at an 18% fixed APR for 18 months would be $127.85.

Example for PAL I: The monthly payment for a $500 loan at a 28% fixed APR for six months would be $90.53

Example for PAL II: The monthly payment for a $1500 loan at a 28% fixed APR for 12 months would be $145.17

Payday Alternative Loan (PAL I):
Not more than three PALs in any rolling six-month period to any one borrower and no co-borrowers are permitted. No more than one payday alternative loan at a time to a borrower. Must not roll over any PAL loan. Must have direct deposit greater than or equal to the contracted payment. Subject to credit approval, a minimum of six-months membership required. Other eligibility requirements and restrictions apply.

Payday Alternative Loan (PAL II):
Not more than three PALs in any rolling six-month period to any one borrower and no co-borrowers are permitted. No more than one payday alternative loan at a time to a borrower. Must not roll over any PAL loan. Must have direct deposit greater than or equal to the contracted payment. Subject to credit approval, a minimum of one-year membership required. Other eligibility requirements and restrictions apply.

** Stretch & Save Loan – % fixed APR. Requires established direct deposit equal to, or greater than the contracted payment amount. A minimum three-month direct deposit required.

*** A $20 (PAL I and PAL II) or $30 (Stretch & Save Loan) non-refundable application fee applies and must be collected at application, and may not be financed in the loan, taken from the loan proceeds, or paid by personal check drawn on another financial institution.