Interest-free Government Advance Loans
Interest-free Government Advance Loans or free delayed payments are available to members impacted by the government shutdown.
Published Wednesday, October 1, 2025 to Articles
Veridian is offering special financial assistance for members whose income is impacted by the current federal government shutdown. As a member-owned, not-for-profit financial cooperative, we are committed to supporting our members during times of uncertainty with practical, affordable solutions.
If you've experienced a disruption in income due to the shutdown, you may qualify for one of two relief options: an interest-free Government Advance Loan or a no-fee Delay-A-Pay service. Both are designed to reduce financial stress and help you maintain stability while you await your next paycheck.
What Is a Government Advance Loan^?
Government Advance Loans are short-term, interest-free loans that can help bridge the gap until federal income resumes. The loan amount is based on the most recent federal government direct deposit into your Veridian account. Loans come with a 30-day, single-payment term and no interest charges. When the shutdown ends and your regular federal income resumes, the loan is paid off automatically using your next direct deposit.
This advance is intended as a temporary financial cushion, helping you manage essentials like rent, groceries, or utilities without taking on long-term debt or high-interest obligations.
What Is Delay-A-Pay^^?
For eligible members, we're also offering a fee-waived version of our existing Delay-A-Pay service, allowing you to postpone a loan payment on select Veridian loans. During the shutdown, we're waiving both the service fee and the two-per-year limit, so impacted members can access this benefit without penalty.
Delay-A-Pay offers flexibility for members who need short-term breathing room in their budget but may not want to take out an additional loan. It's a straightforward way to free up funds in the moment without increasing your monthly payments long-term.
Who's Eligible?
To qualify for either the Government Advance Loan or the expanded Delay-A-Pay service, you must be a Veridian member with a history of regular direct deposits from a federal government income source.
Contact us to review your options. Our team is ready to walk you through the process and help determine which option is right for you.
Why We're Making This Offer
This kind of support is core to our mission. When financial uncertainty affects your household, we believe your credit union should be a dependable partner offering meaningful solutions.
"Missing a paycheck can be a difficult burden," said Kara Van Wert, Veridian's Chief Lending Officer. "Veridian is a member-owned financial cooperative, and we exist to serve the best interest of our members. We're here to help ease the uncertainty for members who are impacted by this shutdown."
How to Get Help
If your income has been disrupted by the federal shutdown and you've received regular federal government deposits in your Veridian account, we're here to help.
We'll guide you through your eligibility, explain the terms of both options and help you make the decision that works best for you.