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Forest Lake

Apply for this program if you need help with car repairs, vet bills, home repairs or other emergency needs.

The Short Term Loan program provides limited loan amounts, low fixed rates, no fees, no credit check, no hidden costs, no prepayment penalty, and no collateral. The rate is set at 5% with a monthly payment obligation. Loan term based on amount and affordability (not greater than 2 years).


Last payment is waived if all payments have been made on time for the full term of the loan.  

This program is designed to:

  1. Eliminate use of Pay Day Loans

  2. Address the emergency need

  3. To be impactful, have meaningful change

Income Limits Based on Household Size

To see if you are eligible for this program check your income limit based on household size using the following chart. We are required to use 125% FPL based on household size, for more information please refer to the guidelines here.

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Download/print applications: 

Make a Payment on your Loan

To make a payment on your Short Term Loan please click on the link below

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