Offering affordable, small dollar loans
through payroll deductions

This employer-based model meets short-term lending needs without the burdensome fees and interest of payday loans. Employees apply for a CLC loan online, the loan is deposited in the borrower’s bank account, and then borrowers repay their loans each payday through payroll deduction.


CLC loan features include:

  • Up to $1,000 loans
  • 18% interest with up to 52 weeks to repay
  • $20 per loan origination fee
  • Employees apply online anytime with fully automated system
  • No cost of risk to employers

We Serve

Employers and Employees



  • Attractive and innovated employee benefit
  • Increases productivity, workplace moral, and employee retention
  • Reduces costs of employee financial stress
  • Reduces productivity lost from employee time spent on financial problems at work
  • Reduces costs of absenteeism – usually stress-related
  • Loan program is easy to administer
  • Access to employer portal at anytime
  • Employee may apply for loan after working hours





  • Inexpensive loans – $20 fee and 18% interest instead of 391% APR for a payday loan
  • Longer term of up to 12 months to repay, instead of 2 weeks
  • Low, affordable payments
  • Convenient payroll deduction
  • User-friendly application website
  • Easy approval – no credit checks and no collateral
  • Quick loan approval
  • Funds transferred directly into employee bank account
  • Loan proceeds can be used for any purpose, including to pay off payday loan debt
  • No prepayment penalty
  • Improved credit score through credit bureau reporting