We are currently updating our offerings and website. While we update our offerings and website, we are unable to process new loan requests.


Get a fast low cost federal employee personal loan with our installment loan program. Repay over 6 to 36 months. Please note a 4% origination fee will be charged with each installment loan*.

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Receive quick cash with our short term loans. Our loans can be created for your unique needs. Low cost loans quickly.

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PayDay Loan

Have an unexpected expense? Get a low cost, fast personal loan instead of a high cost payday loan. Almost everyone qualifies!

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Our federal employee loan is a lifesaver! Get a one-time loan of up to $500 for a maximum initial fee of only $30*, repaid over 5 months.

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How It works

We offer a totally new way of borrowing . The loan debt consolidation loan application process is a three step process:

Step One:

Go online to www.workplacecredit.com and create a login for yourself after inputting the necessary information details ( full name, phone number, email address etc).

Please note that if you are a USPS employee or a public sector employee, no employer code is necessary to create a login.

Step Two:

Indicate the loan preference of your choice after login. Our proprietary affordability model is designed to help you borrow only the amount you can pay back.

You will receive an email regarding your potential approval for the loan program shortly after once you have completed the application process.

Step Three:

Please note that you will need to have a valid U.S. bank account to receive funds upon loan request approval.

Upon completion of the loan agreement, the funds will be deposited in your bank account within 1-2 business days.

Please note that in case of any concern or questions you can reach out to WorkPlaceCredit via email or phone anytime during the application process. Click here to reach us via email.

Debt Consolidation Loans

When faced with multiple, high interest rate debts, it often makes sense to consolidate those multiple debts into a single, larger loan.

In short, you are merging all of the individual payments into a single monthly payment.

Even if your debts are currently manageable, and you just want to restructure multiple bills with different, high interest rates, monthly payments and various due dates, a debt consolidation loan is a is a great option.

Depending upon your credit history and current credit score, it could be possible to obtain an interest rate that is less than the average interest rate of the multiple debts.

This is why debt consolidation is attractive to many Americans with multiple debts.

It can save you money on monthly payments and interest charges.

What is a Debt Consolidation Loan?

What are Debt Consolidation Loans?

Debt consolidation loans are considered a specific type of personal loan.

Typically, a debt consolidation loans is used for unsecured debt. The most typical types of debt that a debt consolidation loan can be used for are:

  • Credit card debt
  • Personal loans
  • Healthcare bills
  • Payday loans

When making minimum payments on credit cards, it can take many years to pay them off.

Unfortunately, many people can only pay the minimum monthly payment. In this case, a debt consolidation loan can act as a light at the end of the tunnel.

Since they are personal installment loans, you will know that at the end of the term, all of your debts will be paid off – and in much less time than paying minimum payments on multiple credit card bills.

Debt Consolidation Loan

There are two different types of debt consolidation loans: secured and unsecured.

The main difference between them is that secured consolidation loans require some sort of collateral.

Unsecured consolidation loans will not require collateral. Unsecured consolidation loans are typically given more often. However, one can obtain a secured loan for their unsecured debt.

Debt Consolidation Loan Interest Rate

With either type of debt consolidation loan, the interest rate is still usually lower than credit card interest rates. And in many cases, the interest rates are fixed, which means they do not change over the course of repaying the loan.

Typically, the entirety of the loan can be paid off in three to five years.

Many Americans will go straight to a debt consolidation service to take care of everything for them.

In many cases, this is not necessary, since you can work with your lenders and qualify for a loan without the assistance of a company.

These companies sometimes charge unreasonable initial and monthly fees, and you simply may not need them.

Instead, look for lenders like WorkplaceCredit®.

We provide fast and affordable loans where almost everyone qualifies, regardless of credit history.

How to Get a Debt Consolidation Loan

Finding the Right Debt Consolidation Loan

Remember that each debt consolidation loan will have slightly different terms and conditions.

Also, different companies will offer slightly different interest rates, which can cost – or save – a great deal of money throughout the life of the loan repayment.

So, make sure to shop around for the best deal for your type of situation.

Debt consolidation loans are a great option for those who have found themselves with too many high-interest loans and credit card bills.

However, successfully paying off a debt consolidation loan does not make up for poor spending habits and money management.

Make sure to do research and learn how to keep yourself from ending up in the same position.

Follow our Financial Wellness Blog to Start Improving Your Financial Health
  1. Here is an example of the specific rates and fees that would apply to your loan with WorkPlaceCredit®: If you are requesting a loan of $3000, an origination fee of $120 (4%) will be added to your loan amount. The total amount of your loan would be $3120 which is financed at an interest rate of 20.99% and 25.18% APR. Should your chosen time frame for repayment be two years, your payments of $73.71 would be scheduled over 52 bi-weekly installments over the next 2 years.
  2. A $500 Emergency loan of $500 at 22.55% APR, you will make 11 bi-weekly payments over 5 months of $48.18. Your actual payment will vary based on the payment frequency and term of your loan offer.

Payroll deduction is not a condition for approving the loan.

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