Loan Guide

Allotment Loans For Postal Employees No Credit Check

Allotment Loans For Postal Employees No Credit Check
Allotment Loans For Postal Employees No Credit Check

Do you work for USPS or postal employees? Do you have bad credit? Read our article on how to apply Allotment Loans For Postal Employees No Credit Check.

If you work for the USPS or are a postal employee, you may be eligible for Allotment Loans for Postal Employees No Credit Check.

It is usually easy to get a government loan, but everyone wants good credit. Postal employees earn a steady and secure income. Many lenders offer $5,000 loans to postal employees. Also, getting a $5000 credit card credit limit is not difficult.

Since USPS employees earn a good income, these lenders are always willing to lend them money. It is why you can easily find the best loans for USPS employees.

Postal worker’s allocation loans are designed to get quick cash while having temporary financial difficulties.

Let’s deep dive into an article to understand the Allotment Loans For Postal Employees No Credit Check with our complete guide.

What Are Postal Employees?

What Are Postal Employees?

USPS (abbreviated USPS) is an independent agency of the United States Federal Government that operates post offices nationwide.

There are 546,000 employees at the Postal Service, making it one of the biggest organizations in the world.

Whether you’re a postal worker or not, you’re eligible for one of these Allotment Loans For Postal Employees if the company employs you.

Now let’s understand Allotment Loans for Postal Employees in short.

What Are Allotment Loans for Postal Employees?

Allotment loans for postal employees are tailored financial solutions designed to meet the needs of those working in the postal service, especially those with bad credit or no credit history. Payroll deduction plans are usually required.

Allotment Loans for those working in the postal service, including retired USPS employees, family members of a Postal employee, or those related by blood to a Postal employee. These loans are tailored to offer financial assistance without stringent credit checks, making them accessible even to those with bad credit.

However, Postal employees seeking these loans can enjoy several benefits, such as less bureaucratic hurdles, fixed rates, aligned repayment schedules with their paycheck cycles, and high-priority access to loans due to their stable employment.

Are Allotment Loans Available to Postal Workers?

Absolutely! These loans aren’t just for federal employees but also for postal workers. Postal workers are a vital part of our system and can certainly take advantage of these loans.

It doesn’t matter if you’ve got perfect credit or had some financial hiccups; postal workers can get financial help. The repayment system is tailored to your financial situation and works seamlessly with your payroll cycle.

You can use Allotment Loans for Postal Employees to deal with unexpected expenses or plan for large expenses. With our hassle-free, easily accessible loan options, you can take a step toward financial resilience today.

Also, Read | How to Get $500 Down On A Car No Credit Check

Allotment Loans For Postal Employees No Credit Check

Allotment Loans For Postal Employees No Credit Check
Allotment Loans For Postal Employees No Credit Check

Despite earning good wages, many USPS employees seek loans. They can easily get loans from U.S. Postal Service Federal Credit Union, so what’s the problem?

While employed and earning a good income, the problem lies in their “Bad Credit” profile. Several strict laws and policies govern traditional financing, and getting a loan from a bank requires you to pass a credit check.

A bank will only forward your application for a loan for processing once they are confident that you have a good credit score. The loan provider may require you to provide a guarantee against the loan, or they may reject it altogether.

For this reason, USPS workers are looking into allotment loans for postal employees no credit checks. You must provide a few basic details to apply for an allotment loan with no credit check.

Here’s everything you need to know about the Best Online Shopping Sites with Credit Cards.

5 Best Allotment Loans for Postal Employees



Founded in 2013, Kashable is a New York-based company that offers socially responsible wellness solutions for workers, including postal workers.

Kashable loans range from $250 – $20,000, with rates starting at 6% APR and terms ranging from 6 to 24 months.

A Kashable application takes a few minutes to complete. However, additional information may have to be verified. Kashable uses your employment and credit data to improve your credit score, calculate offers, and assign interest rates. Payments are reported to all three credit bureaus.

You and Kashable can arrange alternative repayment methods, such as ACH payments, checks, or money orders if you quit your job or get terminated early.

Kashable Pros and Cons
Competitive lowest ratesHigh interest rates for less creditworthy applicants
Reporting to credit bureaus, which may help build creditRepayments are directly deducted from your payroll
Prequalification application availableLimited availability to certain employers and not in every state
Fast funding, usually within three business days after approvalEmployment history and personal banking account required



An online lending company, OneBlinc, was founded in 2018 and is based in Miami, Florida. It provides allotment loans to postal and federal employees.

The OneBlinc loan amount ranges from $500 to $3,000, with an interest rate between 23% and 32.9% APR, a minimum of 12 biweekly payments, and a maximum of 84 biweekly payments.

They don’t need to pull your credit report. Depending on your credit score, they may add a one-time fee of $0 – 88.90 to your loan. They approve more loans based on your credit score, not your credit history.

If you provide the correct information, your application may be approved on time. Once your application has been submitted and marked as “in review,” OneBlinc will respond within 24 hours.

OneBlinc Pros and Cons
Quick application processSome users report unexpected credit checks
No credit check required for approvalDiscrepancies between advertised services and user experiences
Designed for federal employeesComplaints about loan denial reasons
Fast funding upon approvalMixed customer feedback



BMGMoney, an online lending company based in Miami, Florida, offers allotment loans to postal workers on their website.

BMGMoney offers loans between $500 and $10,000, with interest rates ranging from 16.99% to 35.99% APR and terms from 6 to 36 months.

After approval, they may charge a one-time application fee between $0 and $49, but no hidden fees exist.

If you want to apply, please click this link and search for your employer. BMG Money does not check your credit report or FICO score when you apply. They rely solely on alternative and employment data when underwriting loans.

Within 1 – 2 working days after your application is approved, your money will be deposited into your account.

BmgMoney Pros and Cons
Accessible loans for federal employeesMay have higher interest rates for some borrowers
No stringent credit checksLimited availability to certain employers
Quick application and approval processPossible fees associated with the loan
Designed to help with unexpected expensesRepayment directly from payroll might not suit everyone



A Dayton, Ohio-based online lending company, Lendly provides affordable credit access to individuals with positive employment histories. It also provides financial solutions for postal workers.

Lendly believes that high-quality employees deserve access to high-quality loans, regardless of their credit scores.

With a payroll deduction plan, Lendly offers loans up to $2,000 at a rate of 175%.

There is no minimum credit score requirement with Lendly, but you must have worked for the company for at least six months to qualify.

Lendly Pros and Cons
Simplified application processPotential high interest rates
Loans tailored to employment and incomeFees for late payments or processing
Direct deposit of fundsNot available in all states
Flexible repayment termsLoan amounts may be limited



The USPS Federal Credit Union was established in 1934, originally to help employees of the USPS, and has since grown to support over 24,000 members.

You should consider joining USPS FCU if you work for USPS and are looking for checking and savings products, loans, or credit cards. Joining provides lower interest rates on allotment loans and higher approval rates if you’re looking for an allotment loan.

Applicants who join the credit union as members are eligible for allotment loans. Members can also apply online if they wish. If your membership has been approved, you can apply for an allotment loan by completing the attached form.

USPS FCU Pros and Cons
Competitive interest ratesMembership limited to certain groups
Personalized customer servicePotentially fewer branches and ATMs
Member-focused, not profit-drivenMay have fewer financial products
Lower fees on averageTechnology and apps might lag behind big banks

How to Apply for Allotment Loans for Postal Employees No Credit Check

How to Apply for Allotment Loans for Postal Employees No Credit Check

Applying for an Allotment Loans for Postal Employees No Credit Check can be a strategic move for postal employees, especially those with no credit or bad credit, as it provides a financial lifeline without traditional credit checks. These loans cater to postal workers’ unique employment stability, offering a reliable and manageable repayment method directly from your paycheck. It ensures you can meet your financial obligations without overwhelming stress.

Here are 6 easy steps to apply for an allotment loan:

Research Lenders: Start by identifying lenders that offer allotment loans specifically for postal employees. Look for those advertising no credit check loans, ensuring they cater to your situation.

Gather Necessary Documents: Prepare the required documents, which typically include proof of employment with the postal service, recent pay stubs, and identification. Having these documents ready can streamline the application process.

Check Eligibility Criteria: Review the lender’s eligibility requirements to ensure you qualify. It often includes being a current postal employee and having a stable income.

Submit Your Application: Fill out the loan application form, usually done online for convenience. Provide all requested information accurately to avoid delays in processing.

Understand the Terms: Once approved, carefully review the loan terms, including interest rates, repayment schedule, and any fees. Ensure you understand your financial obligations and the loan’s total cost.

Set Up Repayment: As these loans are repaid through payroll deductions, confirm how to set this up with your lender. It might involve authorizing the lender to deduct loan repayments directly from your paycheck, ensuring timely payments without manual transfers.

Applying for an allotment loan is a straightforward process designed to provide quick financial assistance with minimal hassle. By following these steps, postal employees can access the funds they need with terms that accommodate their unique employment situation.

Eligibility Criteria for Allotment Loans for Postal Employees

Eligibility Criteria for Allotment Loans for Postal Employees

The primary benefit of allotment loans for postal employees with no credit check is their accessibility to individuals with poor or no credit history. These loans provide a financial lifeline without the stringent requirements of traditional credit assessments, making it easier for postal workers to secure financial assistance when needed.

Eligibility criteria for these loans typically include:

  1. Employment Verification: Applicants must be current United States Postal Service (USPS) employees to qualify. Proof of employment, such as a recent pay stub or an employment verification letter, is usually required.
  2. Income Level: While these loans do not require a credit check, lenders may set minimum income levels to ensure borrowers can repay the loan. This information is often verified through recent pay stubs.
  3. Length of Employment: Some lenders may require that postal employees have been employed for a certain period, ensuring job stability and a consistent income stream.
  4. Bank Account: Borrowers typically need an active checking account for loan disbursement and for setting up the allotment repayment schedule.
  5. Age and Residency: Applicants must usually be at least 18 years old and legal residents or citizens of the United States.

It’s important to note that specific requirements can vary by lender, so checking directly with the financial institution or credit provider for their particular eligibility criteria is advisable.

Allotment Loans for Postal Employees with Bad Credit

Allotment loans for postal employees with bad credit are special financial solutions that offer a way to borrow money without needing a credit check.

These loans are tailored for postal workers, providing a secure and straightforward repayment method through automatic deductions from their payroll.

This setup is particularly beneficial for those with bad credit, bypassing the traditional credit scoring system and allowing easier loan approval based on employment stability rather than credit history​​​​​​.

Important Information Regarding Post Office Loans

The lender will consider you a fairly good borrower even if you have a bad credit score because you are employed and have a steady income. To speed up the loan approval process and increase the number of lenders who will lend you money, it is important to pay attention to details when preparing the loan agreement.

You should choose a reliable lender when taking loans for postal employees. If you plan to take a long-term loan, ask all the questions you can about the interest rate and the APR. You are eligible for loans with better terms if you have a good credit score. However, you can still apply for several no-credit-check loans if you have bad credit.

Benefits of Allotment Loans for Postal Employees No Credit Check

Benefits of Allotment Loans for Postal Employees No Credit Check

One significant benefit of allotment loans for postal employees no credit check is their accessibility to individuals with poor credit scores. It provides a financial lifeline when traditional loans are not an option.

Here are 5 benefits for Allotment Loans for Postal Employees No Credit Check:

Quick Approval Process: These loans typically have a streamlined approval process, allowing postal employees to access funds swiftly, which is crucial during an emergency.

Fixed Repayment Terms: Allotment loans offer predictable and fixed repayment terms, making budgeting easier for borrowers. The repayments are made through automatic payroll deductions, ensuring timely payments without the borrower having to manage them manually​​​​.

No Collateral Required: Unlike secured loans, allotment loans are unsecured, meaning postal employees don’t have to use personal assets as collateral to qualify for the loan​​.

Stable Interest Rates: These loans usually come with fixed interest rates, providing stability and predictability for borrowers, which helps manage finances more effectively over the loan period​​.

High Priority Access: Due to the stable employment and reliable income of postal employees, lenders often prioritize their loan applications, sometimes offering special rates and more convenient repayment conditions​​.


How Do I Get Allotment Loans For Postal Employees With Bad Credit?

To obtain allotment loans for postal employees with bad credit, start by researching lenders who offer financial products tailored to USPS employees, even those with lower credit scores. These lenders typically understand the stability of postal employment and may provide more lenient terms.

Are bad credit loans for postal employees worth it?

Whether bad credit loans for postal employees are worth it depends on the individual’s financial situation and the specific terms of the loan. These loans can provide necessary funds in times of need, especially when other credit options are limited due to bad credit.

What Credit Score Do Postal Employees Need for a Bad Credit Loan?

The credit score required for a bad credit loan for postal employees can vary by lender, as there’s no standard minimum. Many lenders offering these loans focus more on employment stability and income than just credit score. Therefore, even those with lower scores might still qualify. It’s best to check with the specific lender for their requirements.

Does USPS give loans to employees?

The USPS itself does not provide loans to employees. Postal workers seeking loans usually have to turn to external financial institutions or lenders that offer special loan programs for federal and USPS employees, including those with bad credit.


Allotment loans for postal employees no credit check offer a financial lifeline, leveraging the stability of USPS employment to provide accessible funding options. While these loans can be beneficial, especially in emergencies, it’s crucial to consider the terms and potentially high interest rates.

Despite bad credit challenges, postal employees have avenues for obtaining necessary funds, emphasizing the importance of researching and comparing loan options to make informed financial decisions.

About the author

Barina Hoppe

Barina Hoppe is a tech writer, editor and SEO expert. She's also a full-time freelancer working remotely, a blogger, and an entrepreneur.

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