Routing# 262275835
Quick and easy access to money when you need it
Lower Fixed APR | No Penalty | Lower Fees
Quick and easy access to money when you need it
Lower Fixed APR | No Penalty | Lower Fees
Emergencies and unforeseen expenses can disrupt even the best-laid plans. A Short-Term Loan from Redstone helps you get by when cash is tight.
You don’t have to pay the high rates and fees that payday lenders often charge! Redstone’s Stretch Loan and Payday Alternative Loans (PAL) are designed to help you make it to your next paycheck while building your credit. With a short-term, small-dollar loan from Redstone, you can borrow what you need for today and make smart financial decisions for tomorrow.
Lower fixed APR than traditional payday-lender loans
Lower fees than those charged by payday lenders
Credit-building opportunities so today’s wise choices can support a brighter future
Support you can trust from a reputable institution that puts members first
No penalty when you’re ready to pay off your loan early
Could you use FREE, confidential financial advice? We’ve partnered with BALANCE to offer our members counseling about getting out of debt, saving for milestones, and setting smart financial goals. To speak with a counselor, call 1-800-777-7526 or visit the BALANCE website. Monday–Thursday 5am–8pm, Friday 5am–5pm, Saturday 8am–5pm (Pacific Time)
Membership required. Click here for details. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions may apply. Rates current as of August 1, 2025.
1Payment Examples:
Stretch Loan: The monthly payment for a $1,600 loan at an 17% fixed APR for 18 months would be $102.32
PAL I: The monthly payment for a $500 loan at a 26% fixed APR for six months would be $90.08
PAL II: The monthly payment for a $1200 loan at a 26% fixed APR for 12 months would be $115.01
Stretch Loans: Not more than three Stretch loans in any rolling six-month period. Must have no active Stretch Loan and no co-borrowers are permitted. Requires verification of residential address and verification of income, if not a direct deposit to RFCU. Subject to credit approval, a minimum of one-year membership required, must not have caused RFCU a loss, and all accounts have to be in good standing (e.g., not in the negative, including joint accounts and no delinquent loans), and other restrictions apply.
Payday Alternative Loan (PAL I): Not more than three PALs in any rolling six-month period to any one borrower and no co-borrowers are permitted. No more than one payday alternative loan at a time to a borrower. Must not roll over any PAL loan. Must have direct deposit greater than or equal to the contracted payment. Subject to credit approval, a minimum of six-months membership required. Other eligibility requirements and restrictions apply.
Payday Alternative Loan (PAL II): Not more than three PALs in any rolling six-month period to any one borrower and no co-borrowers are permitted. No more than one payday alternative loan at a time to a borrower. Must not roll over any PAL loan. Must have direct deposit greater than or equal to the contracted payment. Subject to credit approval, a minimum of one-year membership required. Other eligibility requirements and restrictions apply.
2Stretch Loan – % fixed APR. Requires established direct deposit equal to, or greater than the contracted payment amount. A minimum three-month direct deposit required.
3A $20 (PAL I and PAL II) or $30 (Stretch Loan) non-refundable application fee applies and must be collected at application, and may not be financed in the loan, taken from the loan proceeds, or paid by personal check drawn on another financial institution.
Are you ready to join the credit union that puts you first? Become a member of the Redstone family and you’ll start enjoying the great rates, personalized financial advice, and excellent customer service Redstone is known for.