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Allotment Loans for Federal & Postal Employees

$500–$5,000 repaid through your payroll system — myPay, Employee Express, or PostalEASE. Income-based approval across all 50 states and DC, with every state's rate rules published before you apply.

Grants and loans are not the same thing

Federal grants are money you never repay — but they fund organizations, research, and specific programs, not personal emergencies. If your need can wait a week, check Benefits.gov and Grants.gov first: free and official. What we do is narrower and honest: connect federal and postal employees with private lenders that accept payroll-allotment repayment. We are not a lender and never charge applicants.

One request form reaches lenders who accept payroll-allotment repayment — built for federal civilian employees, USPS workers, and (at many lenders) military members and retirees. Income-based approval, soft-check at the request stage, and terms of 6–24 months instead of a two-week balloon.

How It Works

  1. Apply once. Amount, employment, income — about two minutes, free, soft check only.
  2. Get matched. Lenders reviewing your profile return offers; compare APR and total of payments.
  3. Repay through payroll. Accept an offer, route the allotment in myPay / Employee Express / PostalEASE, and the deductions run themselves per pay period.

Allotment Loans vs Payday Loans

A payday loan is a two-week balloon that resets your budget every month; an allotment loan is a 6–24-month installment repaid in slices your payroll office handles. Approval rides on your federal or postal employment rather than your credit score alone, and the multi-month structure means the payment fits the paycheck instead of fighting it. Both are expensive per dollar compared with credit unions — read the alternatives ladder before deciding.

Grants vs Loans — Read This First

Federal grants are money you never repay, but they go to organizations, research, and specific assistance programs — not personal emergencies. If your need can wait a week, check benefits.gov and grants.gov first: free, official, and no lender in the middle. What this site does is narrower and honest: connect federal and postal employees with private lenders who accept allotment repayment. We are not a lender, not a government agency, and we never charge applicants.

Who Qualifies

  • Current federal civilian employees (executive agencies) — ~12 months of service
  • USPS postal workers — via PostalEASE allotments
  • Military members at participating lenders — Military Lending Act caps cost at 36% APR
  • Federal retirees and annuitants at select lenders
  • Gross income near $2,000/month; no active garnishments

Allotment loans in your state

Every state page explains payroll mechanics, qualification, and the state rate rules that shape your APR.

Alabama Federal + postal employees Alaska Federal + postal employees Arizona Strict rate cap state Arkansas Strict rate cap state California Federal + postal employees Colorado Federal + postal employees Connecticut Strict rate cap state Delaware Federal + postal employees District of Columbia Strict rate cap state Florida Federal + postal employees Georgia Strict rate cap state Hawaii Federal + postal employees Idaho Federal + postal employees Illinois Federal + postal employees Indiana Federal + postal employees Iowa Federal + postal employees Kansas Federal + postal employees Kentucky Federal + postal employees Louisiana Federal + postal employees Maine Federal + postal employees Maryland Strict rate cap state Massachusetts Strict rate cap state Michigan Federal + postal employees Minnesota Federal + postal employees Mississippi Federal + postal employees Missouri Federal + postal employees Montana Federal + postal employees Nebraska Federal + postal employees Nevada Federal + postal employees New Hampshire Federal + postal employees New Jersey Strict rate cap state New Mexico Federal + postal employees North Carolina Strict rate cap state North Dakota Federal + postal employees Ohio Federal + postal employees Oklahoma Federal + postal employees Oregon Federal + postal employees Pennsylvania Strict rate cap state Rhode Island Federal + postal employees South Carolina Federal + postal employees South Dakota Federal + postal employees Tennessee Federal + postal employees Texas Federal + postal employees Utah Federal + postal employees Vermont Strict rate cap state Virginia Federal + postal employees Washington Federal + postal employees West Virginia Strict rate cap state Wisconsin Federal + postal employees Wyoming Federal + postal employees

By employer

USPS postal workers Amazon employees FedEx employees Veterans & military retirees Public school teachers

Not on a federal payroll — or under 12 months of service?

Allotment lenders verify employment first; tribal installment lenders verify income instead. Lenders chartered by federally recognized tribes serve borrowers the licensed market declines — new federal hires, contractors, and household members without federal employment — at higher APRs disclosed up front. If the allotment channel doesn't fit yet, the tribal loans section covers the terms, the real costs, and the vetting checklist — state by state and city by city.

Frequently asked questions

What is an allotment loan?
A private installment loan repaid through automatic payroll deduction. For federal and postal employees the deduction runs through the official payroll system (myPay, Employee Express, PostalEASE). It is not a government loan or program — the government handles the deduction, a private lender sets the terms.
How much can I borrow with an allotment loan?
Typical first offers run $500–$2,000; established borrowers often reach $5,000 over 6–24 months. The ceiling follows income, time in federal service, and the lender's review.
Do allotment loans require a credit check?
It varies by lender. Many approve on employment and income with a soft check at the request stage; some run full underwriting and price strong files accordingly. Approval is never guaranteed, and every lender must disclose APR and total of payments before you sign.
How fast does an allotment loan fund?
Decisions usually arrive within minutes and funding by direct deposit in 1–3 business days. Repayment deductions begin once the allotment is active in payroll — typically the next full pay cycle after setup.
Which states do you serve?
Allotment repayment is available to federal and postal employees nationwide, and this site covers all 50 states and DC. State law still caps what lenders can charge — each state page explains the local rate rules and how they shape the offers you'll see.
Is this site a lender or a government agency?
Neither. We are a referral service connecting applicants with independent participating lenders, compensated by lenders — never by applicants. We don't make credit decisions, and nothing on this site is a government benefit. For actual federal grants and assistance, use grants.gov and benefits.gov.