Justice Line of Credit

Life doesn't always follow a plan—but your finances can.

A Justice Line of Credit (JLOC) offers flexible access to funds when you need them—without requiring collateral. With a JLOC, you can borrow up to $40,000 and use only what you need, when you need it.

Unlike a traditional loan, a line of credit works more like a financial safety net. Funds are available for a variety of needs, such as covering unexpected expenses, managing cash flow, making a major purchase, consolidating debt, or preparing for the future.

As you repay what you borrow, those funds become available again, giving you ongoing flexibility and control over your finances.

• chevron_right Be prepared for the unexpected
  From urgent car repairs to unexpected medical bills, you can cover important expenses without disrupting your financial routine.
• chevron_right Manage everyday cash flow
  If expenses temporarily run ahead of your income, a line of credit helps bridge the gap—so you can stay on track and avoid high-interest alternatives.
• chevron_right Plan for life's important moments
  Whether you're booking travel to support family, planning a major event, or upgrading your home, you can move forward with greater confidence.
• chevron_right Simplify and take control of debt
  Consolidate balances or reduce reliance on credit cards with a single, flexible borrowing option designed to fit your needs.
• chevron_right Invest in your future
  Cover tuition, certifications, relocation, or work-from-home equipment—so you can stay focused on your goals.

It's a simple, flexible way to stay prepared—today and for whatever comes next.

Share Secured Loan

If you are looking for a low interest loan with substantial savings, consider securing your loan with your Justice Federal savings account or certificate. Your interest rate will be 3% above the highest dividend rate on that share account or share certificate.

Credit Builder Loan

If you are looking to establish credit history, improve your credit score or rebuild your credit, the Credit Builder Loan can help you.

• chevron_right Maximum term of 12 months
• chevron_right Maximum loan amount $2,500
• chevron_right All loan proceeds will be placed in your Share Account and pledged as collateral until the loan is repaid.