Interest-Free Loans

Navy Federal Credit Union

Federal government employees who have set up direct deposit of pay with Navy Federal may be eligible for government shutdown assistance. Loan amounts are calculated based on the amount of the most recent direct deposit of pay made prior to the interruption of pay. Loans have a 0% APR and are available up to a maximum loan amount of $6,000. For more information, contact the Navy Federal Credit Union at 1-888-842-6328.


Patelco Credit Union recently rolled out a special program to help federal employees affected by the government shutdown. Patelco has enhanced the special program benefits available to you:

·                    Low interest loan options with first payment deferred for 60 days

·                    $1,000 loan at 0.00% APR for 12 months

·                    3.99% APR for loans up to $10,000 (60 month max term)

·                    Waiver of early withdrawal fees on any share certificates you may have with us

·                    Reversal of NSF or late fees

They are also offering payment deferrals on most existing loans through February 28, 2019 to affected members. Call 800.358.8228 for details on any of these program offers.


PayPal is offering interest-free cash advances of up to $500 to each affected federal employee. The San Jose-based payments company will make up to $25 million in cash advances available to any existing or new PayPal Credit customers.

For more details about the cash advances, please visit:

Financial Institutions
Bank of America

Bank of America is encouraging those impacted by the shutdown to call their Client Assistance Program at 844.219.0690 for personalized financial assistance.


Chase encourages its customers to call to discuss certain hardship programs if they are employees of, or do business with, a U.S. federal agency and their income is affected by the shutdown. They should call the special care line at 1-888-356-0023. Chase offers hardship programs to customers broadly who have been affected by unemployment, financial strain or natural disasters.

Chase will automatically waive or refund overdraft and monthly service fees on Chase checking and savings accounts if an employee's salary from an affected federal agency was direct-deposited into the account in November 2018.


Impacted federal workers who are Discover cardmembers or have a loan with Discover Bank may be eligible for assistance such as skipping a payment and having late fees and interest charges reversed if they miss a payment because of the shutdown. To request assistance, call 800-347-2683.


Credit union FedChoice will waive early-withdrawal fees on some certificates of deposit and issue short-term loans with interest rates as low as 2.50 percent. Among other requirements, you'll need to provide evidence of your furloughed status. For more information, visit:

U.S. Bank

U.S. Bank is offering qualified federal employees short-term personal loans of from $100 to $6,000. Customers with any U.S. Bank product, including mortgages, auto loans or the bank's credit cards are welcome to apply for the new product. The loans are being offered at a 0.01 percent APY on a 12-month term, and loan approval is dependent upon credit approval and program guidelines. (The special loan is not available to federal contract workers affected by the shutdown.)

To apply for U.S. Bank's loan, customers should call its designated federal government shutdown line at 877.760.6046.

U.S. Employees Credit Union

If you are still in need of assistance, please call (312) 922-5310. We have other products and services that may help.

If the government shutdown extends into the next bi-weekly pay date cycle (Fri 1/25/19 — Tue 1/29/19) additional assistance will be available on this website: https://www.myusecu.orgiloans/personal-loans/government-shutdown-loans.

Wells Fargo

Customers experiencing hardship due to the shutdown may qualify for payment assistance programs based on individual circumstances. Please call 1-888-818-9147 for more information.

Car Loans

Ford Motor Credit

A banner on the auto lender's site encourages customers who have had a loss of income to call for payment deferral options. To discuss options for your car payment call: 1-800­727-7000.

General Motors Financial

If you have been impacted by the federal government shutdown and need to discuss options that vary from your scheduled due date, please contact our Customer Experience team by logging on to or by phone at 1-800-284-2271.


Hyundai will let federal employees affected by the government shutdown defer their car payments for one month. Anyone who financed a vehicle through Hyundai Motor Finance and currently has a delayed paycheck from the federal government is eligible for a 30-day extension on current payments, be it a lease or purchase. Hyundai instructs affected individuals to call Hyundai Motor Finance at 800-523-4030.

Cell Phone / Wireless Providers

If you're a federal employee whose job has been affected by the government shutdown and you have AT&T service, they're offering you some help. The company is waiving late fees and providing extensions to furloughed federal workers for as long as the shutdown is in effect. Whether it's phone, TV or internet service, AT&T will work to figure out a revised payment schedule for you. Also, if a late payment charges appear on your bill, contact AT&T for assistance with adjustments. More information is available at: 1 9/payment_plans_shutdown.html.

DIRECTV customers should visit:  Verizon

Verizon is standing by to help with flexible payment options to keep your service running. Verizon's Our Promise to Pay program allows you to set a future date for payment quickly and easily. You can set up a promise to pay arrangement in the My Verizon app, or in My Verizon with your smartphone, tablet or computer browser.

Any government employee customer impacted by the shutdown can utilize any of these self-service tools or speak with a Verizon financial services representative for further assistance with wireless accounts at 1-866-266-1445. For assistance with residential home service, call 1-800-VERIZON.


Sprint Customer Care is prepared to work with federal government employees seeking short-term payment solutions. Impacted customers should contact Sprint by calling 888­211-4727 or go online to chat with a Care representative. Additional information about Sprint payment options are available


T-Mobile is providing account support to customers directly affected by the U.S. government shutdown to ensure their wireless service remains available during the closure.

Customers who are Federal government employees and need short-term account assistance can work with T-Mobile Customer Care representatives on solutions tailored to meet their needs, including flexible payment options that allow customers to spread their service payments over time. Payment deferral is also an option. T-Mobile is offering the same support to government account customers.

To discuss how T-Mobile can help, customers who are Federal employees or Federal government account customers need to call T-Mobile Customer Care (611 from a T-Mobile device or 1-877-746-0909 from any phone).