Emergency allotment loans designed exclusively for active federal government employees. Borrow $500–$12,000 with no FICO credit check — repaid automatically through your federal payroll allotment.
BMG Money's LoansForFeds program is a specialized allotment loan product created exclusively for active federal government employees. Unlike traditional personal loans, these loans are repaid through the federal payroll allotment system — your scheduled payment is automatically deducted from your federal paycheck before it reaches your bank account.
This automatic deduction virtually eliminates the risk of missed payments and allows BMG Money to extend credit to federal workers who may have been denied by traditional lenders due to imperfect credit history. Both FERS (Federal Employees Retirement System) and CSRS (Civil Service Retirement System) employees qualify — the allotment works identically for both systems.
Repayment is coordinated through the Office of Personnel Management (OPM) payroll systems for most federal civilian employees. Military and DoD civilians may use DFAS (Defense Finance and Accounting Service) allotment systems.
Full pricing transparency. No hidden fees beyond the one-time 5% origination fee.
| Loan Amount | Term Options | APR Range | Origination | Est. Payment |
|---|---|---|---|---|
| $500–$1,000 | 6–12 months | 19.99%–35.99% | 5% one-time | ~$90–$180/mo |
| $1,001–$3,000 | 12–24 months | 19.99%–35.99% | 5% one-time | ~$65–$210/mo |
| $3,001–$6,000 | 24–36 months | 19.99%–35.99% | 5% one-time | ~$110–$300/mo |
| $6,001–$12,000 | 36–60 months | 19.99%–35.99% | 5% one-time | ~$165–$380/mo |
Example: $3,000 / 52 biweekly payments of $76.00 = 31.35% APR. Total repayment ≈ $3,952. Loans made by WebBank, Member FDIC, or BMG LoansAtWork, Inc.
BMG Money federal employee loans are available to active U.S. federal civilian employees at any of 700+ participating agencies. Requirements are straightforward:
Allotment repayment is deducted automatically from your gross pay — before you receive your net paycheck. No bills, no due dates, no missed payments.
5-minute online application. Review your exact offer and e-sign when ready. No obligation.
BMG Money submits allotment authorization directly to OPM (civilian) or DFAS (DoD/military) payroll systems.
Instant via debit card or 1–2 day ACH. Your loan is live — use funds immediately.
Payment deducted before each paycheck. Loan closes on schedule — credit reported monthly.
