Government Shutdown Assistance Loan Program

Arizona Financial's Government Shutdown Assistance Loan Program is designed to provide financial relief to qualifying federal and state government employees who experience financial hardship or loss of pay as a result of the shutdown. 

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Important Information

Arizona Financial will require applicants to provide their most recent paystubs to support the amount of the loan request. We will pull credit as part of the loan application process, and the loan request is subject to all Arizona Financial loan guidelines.1

  • Current Federal and State Government Employees
     Program is available to all current federal and state government employees who are impacted by the current government shutdown. Proof of furlough may be required.

  • Contractors
    Government contractors are not eligible for the program.

  • Credit Review
    Credit will be pulled as part of the application process and reviewed to determine creditworthiness and ability to repay.

  • Membership
    You must become a member of Arizona Financial to qualify for this loan. Must reside in state of Arizona.

  • One Loan
    One (1) loan is allowed per member.

  • Good Standing
    Current members must be in good standing with Arizona Financial.

  • One-Time Monthly Net Pay
    Maximum of one-time monthly net pay with a max loan amount of $6,000, whichever is lesser.

  • 90 Days No Payment
    First payment due date may be extended to a maximum of 90 days from the date of funding.

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Government Shutdown Assistance Loan Program

Designed to provide financial relief to qualifying federal and state government employees who experience financial hardship or loss of pay as a result of the shutdown.
Term
Fixed APR*
as low as
Maximum Loan
Amount
Term
24 Months
Fixed APR*
as low as
4.50%
Maximum Loan
Amount
$6,000
Effective October 24, 2025

*Annual Percentage Rate. APR shown is the lowest available rate. Actual APR based on borrower’s credit history, collateral and loan terms. Membership required based on eligibility. Loan payment example: $43.65 per month for each $1,000 borrowed at 4.50% APR for 24 months. Not all applicants may qualify.

*Annual Percentage Rate. APR shown is the lowest available rate. Actual APR based on borrower’s credit history, collateral and loan terms. Membership required based on eligibility. Loan payment example: $43.65 per month for each $1,000 borrowed at 4.50% APR for 24 months. Not all applicants may qualify.

How to Apply

If you are already a member, you can apply for the Shutdown Assistance Loan:
  • Please contact us at 602-683-1212 to connect with a team member to discuss hardship options. Must reside in state of Arizona. 
If you are not already an Arizona Financial member, you can apply for the Shutdown Assistance Loan:
  • Please contact us at 602-683-1730 to connect with a team member to discuss hardship options. Must reside in state of Arizona. 

Additional Member Support During a Shutdown


Beyond the Shutdown Assistance Loan, Arizona Financial is here to help with other options:

  • Skip-A-Payment
    Skip-A-Payment will allow you to skip your loan payment for eligible loans. Select Skip-A-Payment in online banking or the mobile app.

  • Loan Extensions
    We will be offering loan extensions on current loans. Contact our Risk Department at 602-683-1212 for assistance.

  • Real Estate Loans
    Loan modifications may be available when appropriate. Contact our Risk Department at 602-683-1212 for assistance.

  • Personal Loans
    Discover flexible personal loan options designed to help.

Frequently Asked Questions

What income documentation will need to be provided?

For all applicants, we will require your most recent paystubs to verify income. For current members, we may be able to verify your income using direct deposit.

 

What if I need more than $6,000?

For members needing more than $6,000, you may request a greater amount. Loans over $6,000 will be treated as a normal Arizona Financial personal loan following current underwriting guidelines.

When will my first payment be due?

The first payment date for Government Shutdown Assistance Loans is a maximum of 90 days from the date of funding.

 

1 Disclaimer

All services listed above are available to Arizona Financial members who are federal or state employees.

All loans are subject to credit approval. Credit limits are based on creditworthiness, income, and debts. Not all applicants will qualify. Membership eligibility is required.