Partners Instant Cash (PIC) Loan
The simple, transparent, and more affordable alternative to high-interest payday loans.
Rely on your trusted community credit union, not a payday lender.
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1
Explore Your Options
Talk to one of our Financial Consultants at (303) 226-8509 to see if our PIC loan is your best option. For more information on eligibility, see the FAQs section.
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2
Apply Online
Submit an online application to borrow between $200 to $1,000. Most applicants are approved within one business day*
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3
Receive Your Money
When you’re approved, we’ll transfer the money directly to your Fitzsimons account.
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APR is the Annual Percentage Rate (APR). Loan interest rates and terms provided are estimates. Best Rate may vary based on personal credit history, value of collateral, loan to value (LTV), terms, and other factors. Fitzsimons Credit Union provides details upon completion of a loan application. Rates are subject to change without notice. Fitzsimons Credit Union membership is required. Partners Instant Cash (PIC) Loan Payment Example: Monthly payment for a $1,000 loan at 28% APR for a 3-month term = 352.72 (Loan Payment example does not factor in the $20 application fee.
Rates
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Personal Loan |
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Personal Line of Credit |
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Rates effective as of: June 13, 2025
Disclosures
APR is Annual Percentage Rate (APR). Best Rate may vary based on personal credit history, value of collateral, loan to value (LTV), terms, and other factors. Fitzsimons Credit Union provides details upon completion of a loan application.
Rates are subject to change without notice. Fitzsimons Credit Union membership is required.
FAQs
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If you need help with your application or need more information about eligibility requirements, please don’t hesitate to contact us in a way that’s convenient for you. To apply, you’ll need to complete a loan application, provide two personal references with contact information, and pay a $20 non-refundable application fee. You are eligible for a payday loan alternative if:
- You’re at least 18 years old and have been a member of Fitzsimons for at least 60 days
- You have a monthly gross income of at least $1000. This can be verified by direct deposit, paystubs, an award letter, or an employment letter.
- You’ve been employed within same trade or industry for at least six months. This can be verified through paychecks or through your employer.
- You don’t have delinquent loans or negative shares with Fitzsimons
- You haven’t caused a loss to the credit union
- You aren’t in the process of obtaining bankruptcy
- You agree to avoid payday lenders during the term of your Fitzsimons loan
- Any previous PIC loans are paid in full
You can get a maximum of four PIC loans in a six month period.
Compare
| Fitzsimons PIC Loan | Typical Colorado Payday Lender |
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$1,000 for 90 days |
$1,000 for 90 days |
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Fees and Interest are $75 for $500 borrowed every 14 days |
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Total Cost for 90 days: $48.09 |
Total Cost for 90 days: $964 |
Rates effective as of: June 13, 2025
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