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
Competitive, Low Rates
Easy Auto-Payments
Easy Auto-Payments
Quick Access to Funds
Quick Access to Funds
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Anything Loan

Have big ideas? Worried your dream adventures always take the backseat? Get the money you need to get things done with an Anything Loan!

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:

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:

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
%
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FAQs

Frequently Asked Questions

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Hardship Assistance

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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.