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Northern Skies began offering our SMART loan "SMall Amounts at Reasonable Terms" as a cost-friendly alternative to Payday loans. With a SMART loan, you'll know exactly how much interest you're paying each and every time, and there are never any hidden or ongoing fees. This a great resource in helping to get your finances back on track!

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  • Borrow $200 to $1,000
  • AffordableTerms from 1 to 6 months
  • Fixed Rate
  • No hidden or ongoing fees


  • $20 application fee
  • Direct deposit required
  • Minimum of 30 days membership required
  • Member may not have more than one (1) outstanding short-term, small amount loan at any time and the balance must be paid in full before a new application will be considered.
  • A member may not originate more than one (1) short-term, small amount loan in a single month
  • A member may not originate more than three (3) short-term, small amount loans within a rolling six (6) month period.
  • This loan type is not eligible for any promotional skip a payment programs.

*A member must be 18 years of age or more to be granted a loan.

SMall Amounts at Reasonable Terms