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Fresh Start Loan

Take the next big step toward solid financial footing.

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Get cash to cover expenses while giving your credit rating a boost

Starting your financial journey? Or recovering from a financial setback? Either way, you're a good candidate for a Market USA Fresh Start Loan. You can borrow up to $500 for purchases, repairs or other costs. Plus, by making on-time payments, you have a strong opportunity to build up your all-important credit score.

  • Borrow $500 with payment terms up to 6 months (no auto pay discount)
  • No credit check required
  • A minimum of six months of verified income is required, with some earnings within 30 days of the loan request (excluding seasonal income)
  • You must have at least $500 per month of Direct Deposit funds coming into your Market USA account for three consecutive months
  • Three-month waiting period for subsequent Fresh Start Loans (limit 4 per year)
  • The Annual Percentage Rate (APR) is 18%
  • A $30 non-refundable fee is due at time of application
  • A minimum monthly payment of $100 is required
  • Other Market USA accounts must be in good standing

Features & Benefits

Market USA Federal Credit Union is a full-service financial institution with locations in Maryland and South Carolina as well as nationwide locations through the Shared Branch Network.