Exclusive Offer
Hit the road this summer with rates as low as 4.49% APR!2
Whether you’re replacing an aging car, making room for your growing family, or finally driving something you love, we’re here to help make it happen.
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Hardship Assistance
Support for your financial wellness, whatever life throws your way.
We’ve got your back, no matter what life throws your way. Navigate the unexpected with our range of Hardship Assistance resources.
Competitive, Low Rates
Easy Auto-Payments
Quick Access to Funds
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Anything Loan
The Anything Loan is designed to offer temporary relief and financial stability to members facing hardship. Whether you're dealing with everyday expenses or unexpected financial challenges, the Anything Loan can help bridge the gap and provide the support you need during difficult times.
Features & Benefits
- Competitive, low rates
- Borrow up to $50,000
- No payments for 90 days3
- Quick access to funds
90-Day Loan Deferral Program3
We understand that life can bring unexpected challenges. To support your financial wellness during difficult times, our hardship assistance offers temporary relief with your loan payments.
Pause any of the following:
- Anything Loans
- Auto Loans
- Other Vehicle Loans
- Fixed Home Equity Loans
- HomeFree Home Loan
This program does not include First Mortgages, Credit Cards, Home Equity Line of Credit, Loanmaker Personal Line of Credit, or Winter Wonder Line of Credit.
To request a deferral, please provide a notice of your layoff or furlough to our Debt Management Team at debtmanagement@JHFCU.org.
Debt Consolidation Options
We know debt can be overwhelming, and not everyone can spare money to make payments every month. That’s why we’re here to help you simplify your finances, lower your interest rates, and improve your overall financial well-being with our debt consolidation solutions.
Benefits of Debt Consolidation:
- Qualify for lower interest rates
- Combine multiple debts and simplify your monthly payments
- Increase your monthly cash flow
- Improve your credit score over time
- Enjoy a fixed repayment schedule
Debt Consolidation Options:
- Credit Card Balance Transfer: Move your high-interest credit card debt to a JHCU card with a much lower rate and pay off your balance without stressing about accruing more interest. Learn more about our credit card options.
- Home Equity: Consolidate your high-interest debts using the equity in your home and enjoy lower interest rates and larger loan amounts. Learn more about our Home Equity options.
- Anything Loan: With fixed interest rates and a clear repayment schedule, empower your finances with a straightforward solution for consolidating your debt. Learn more about our Anything Loan.
Finding Your Way Through Financial Challenges
Practical steps to take:
- Focus on the essentials: Make a list of bills and their due dates so you can prioritize minimum payments—these should include basic needs such as housing, food, transportation, and utilities.
- Create a spending plan: List income and expenses to see where your money is going. Even a basic budget can help you stay on track during a difficult time.
- Talk to your financial institution: Don’t wait until you’re behind to figure out your options. In many cases, you can receive help with payment adjustments, skip-a-pay options, or flexible solutions to give you breathing room.
- Use tools at your disposal: We’re here to support your financial well-being. Enjoy free financial coaching, debt management resources from GreenPath Financial Wellness, and make use of practical tools like financial calculators, budgeting worksheets, and SavvyMoney credit monitoring.
Additional Resources:
- Utility Assistance Programs: Maryland offers utility assistance programs to help during financial difficulty. Learn more about them at:
- Unemployment Benefits: If you’ve been laid off or furloughed, you may be eligible for state unemployment benefits. Check your state’s requirements and find out where to file your claim.
- Navigating Financial Uncertainty Workbook through GreenPath
- Resources for Maryland Workers Impacted by Recent Federal Actions
- Resources for Maryland’s Former Federal Employees and Other Workers Impacted by the Federal Government Transition
- The Federal Worker Emergency Loan Program
- Financial Coaching Program - Take advantage of free, one-on-one financial education and coaching sessions as a JHCU member.
Have questions?
Contact our Lending Department at ld@JHFCU.org or call 410-534-4500 to see how we can help!
Our Rates
Loan Type
Term
APR* as low as
Anything Loan
Term
36 months or less
APR* as low as
9.59
%
Term
37 - 60 months
APR* as low as
10.59
%
Term
61 - 72 months
APR* as low as
11.59
%
FAQs
Frequently Asked Questions
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Contact Us
Ask about our
Hardship Assistance
Getting in touch with us is easy. Just fill out our short contact form and a representative will contact you as soon as possible.
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Disclosures
*APR = Annual Percentage Rate. Rates are subject to change.
1Estimated monthly payment example: A $1500 emergency hardship loan at a fixed rate of 3.99% APR for 24 months would require 24 monthly payments of $65.13.
2By skipping your first payments up to 120 days, you extend your maturity date approximately up to four months. If you have credit insurance coverage on this loan, it does not cover any deferred payments. Note that loan interest will still accumulate, so your final payment on this loan may increase. The option to skip a payment is subject to change or may be discontinued.
3By deferring your payments, up to 90 days, you extend your maturity date approximately up to three months. If you have credit insurance coverage on this loan, it does not cover any deferred payments. Note that loan interest will still accumulate, so your final payment on this loan may increase.
