One of the things that I notice is that there are a lot of members currently on the Payday loan treadmill. The Payday loan treadmill exists when members are getting payday loans for reasons other than for immediate financial difficulties. TEUCU offers convenience payday loans to help our members get back onto their feet. Our Payday loans offer an alternative to the Payday loan Companies that charge service charges on top of the total loan, whereas TEUCU does not. Payday loans are intended for those that are in financial difficulties due to uncontrollable circumstances. If you are currently using payday loans for any other means, we can help you find a solution to get you off the Payday loan treadmill.