Credit Counseling Program


For those trying to restore your credit and financial health or improve it enough to qualify for better terms on your next loan.


Credit Solutions Team. Our credit counselors are certified through NACCC (National Association of Certified Credit Counselors).  They provide free consultations to members struggling with debt, to help improve their credit and their financial quality of life.   Email [email protected] to schedule an appointment today.


Credit Restoration Auto Loan & Credit Restoration VISA Classic Credit Card. If you’ve filed for a bankruptcy that has been discharged you may be eligible for one of our Credit Restoration Loans.  Email [email protected] for more information about this loan type.


New Direction Personal Loan. A tool to start building positive credit history. Our Credit Solutions Team will work with you to create a personalized financial improvement plan.


Freedom Loan. A safe alternative to payday lenders when you need a small amount of cash quickly. Finance amounts as small as $250-$750 for 6 months or less.  Certain credit score and other requirements must be met.


Share Secured Loan. If you need to build your credit score, small loans are a good way to establish a new record on your credit report. If you have savings or a share certificate you don’t plan to use right away, it can be used as collateral for a loan as small as $300.


Online Payment Portal

Paying for your loan from an outside account?  Click here to make an easy online payment (email address and passcode required).



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Find our branches & ATMs

For the safety of our members, certain branch lobbies are temporarily closed or have limited access.
Currently the Collierville, Hacks Cross, and Pittsburgh Branches are CLOSED.

To schedule an appointment:


Due to closed branches, our call-center is experiencing a high call volume.
To avoid longer than usual wait times, we encourage members to access their accounts remotely by logging in online or by using our mobile app.


Call Center Information:
(800) 228-8513 or (901) 344-2500 within the Memphis areaMon-Fri, 7:30am-10:00pm central
Sat, 9:00am-5:00pm central
Sun, 9:00am-5:00pm central