Life happens. We're here to help.

When life gives you lemons, you need someone to help you make lemonade. As a University of California employee, we have your back. Get the emergency cash you need for all sorts of bumps in the road.

  • Borrow emergency cash and avoid payday loans
  • Flexible & convenient with no hidden fees
  • Easy application with fast decisions

Get loans to help with:


  • Handling serious medical bills
  • Rebuilding your home if fire damage occurs
  • Flooding that ruins your household items
  • Other anticipated emergencies

All University of California Employees are eligible!


  • Any academic or staff employee who holds an appointment to work 50% or more is eligible.
  • Any student employee eligible for other loan programs is ineligible for loans from this fund source.
  • Must have continuous employment by the UC System for a minimum of one year.

Interest Rate Discount for Direct Deposit


Just set up direct deposit and auto pay with a University Credit Union checking account and your payments will come out automatically on your payment date. You'll receive a discounted rate of 0.25% for auto pay or previous borrower.*


Get the financing you need.

Apply for your UC Emergency Loan online or join UCU if you're not already a member.