CARVILLE BRANCH. 5445 Point Clair Road. Carville, LA 70721. Phone: (225) 642-8663. Fax: (225) 642-8702 Thinking about a payday loan? It could end up costing you in the long run. Navy Federal Credit Union explains payday loans and how to avoid them. PLC (Personal Line of Credit) Set up a PLC loan and have the security of knowing that you can advance on your PLC at any time for any reason. You can access your PLC by On-line banking, Mobile Banking, Call Unit, or by calling Horizon Credit Union and speaking with a staff Member. You have bad credit, you don’t have high income, probably you already have existing payday loans, but you again don’t have enough money and you plan to get another payday loan. If you are with bad credit, banks won’t approve your loan. Some online lenders will approve you for a loan but rates will be … Continue reading Payday Loan Alternatives from Credit Unions The information contained herein is provided for free and is to be used for educational and informational purposes only. We are not a credit repair organization as defined under federal or state law and we do not provide credit repair services or advice or assistance regarding rebuilding or improving your credit. Payday loans can be a quick solution when you’re facing an emergency or unable to cover a bill — but they aren’t your only choice. From local resources to credit unions, there are alternatives available when you’re facing short-term financial problems that can help you stay out of long-term debt. We understand the needs of the citizens of our community and are devoted to helping you achieve your financial goals. No matter how you access your credit union, whether online or through the front door, you are home. Alternatives to Payday Loans. Before taking out a high-cost payday loan, consider alternatives. Talk with your creditors to negotiate more time to pay bills. Get funded fast and repay quickly. If you are a UNIFY member in good standing for at least 90 days and have no outstanding or delinquent UNIFY Short-Term Loans, you may qualify for a short-term loan to cover your emergency. Payday Loan Alternatives Credit Unions 100 Day Loan Hawaii Payday Advance Loan Oregon Quick Loan Pay Day Loan Cash Advance Alabama Payday 911 Cash Advance Paycheck Advance Fees. Skip to Content. Search. Enter the terms you wish to search for. CU Boulder Today. CU Boulder Today. University of Colorado Boulder. Menu.