Gateway Loans

gate•way (n.): Something that serves as an entrance or a means of access.

Key Features

  1. Realistic rates and terms
  2. Options that can help re-build (or build) your credit
  3. Apply Now!

At Qualstar, our goal is to make sure our members have the products and services that meet their needs, even when a traditional loan won’t work for the individual’s financial situation. Our Gateway loans are designed to help get our members back on track, while still giving them access to credit.

Gateway Visa1

If your credit score is somewhere in between “OK” and “challenged” you might be having a hard time finding a credit card that doesn’t have an unreasonably high interest rate …until now! There may have been a time in your past when credit wasn’t a priority, and we don’t think you should have to pay an unrealistic rate in order to get back on track.

  • Credit limits available from $500 to $1000
  • All the benefits of a Visa Gold card, including the Passport benefit at NO charge!

Gateway Line of Credit2

When a traditional loan isn’t an option, a Gateway Line of Credit gives you access to the funds you need, when you need them!

Provided as a payday loan alternative with a much lower rate, a Gateway Line of Credit doesn’t require a minimum credit score, but once you have it and make regular payments it can help improve your score, or get you started off on the right foot if you didn’t have any credit to begin with.

  • $500 line of credit
  • No minimum credit score required
  • $50 minimum monthly payment
  • No advance fee when accessed through ATM or Home Banking.

1 Additional Gateway Visa Details: $5 monthly service fee (if balance is greater than $5); minimum monthly payment is $50; must be a member in good standing with no negative accounts or delinquent loans and provide two references per applicant.

2 Additional Gateway Line of Credit Details: $5 monthly service fee; $5 advance fee when done through the Call Center or branches; loan approval requires an electronic deposit (payroll, government, ACH, etc.) of at least $100 for three consecutive months; applicant cannot have a current negative account or delinquent loan.