Need a loan? 
Ask Your Employer About This Program  

We are grateful for the 31 employers and their employees who participated in the Pal Loan Program pilot. We have completed the pilot phase of the program having loaned over $1.1 million to more than 1100 borrowers.

We are using what we have learned to upgrade our system and delivery while ensuring timely repayment. As we do this, we are pausing the program. While continuing to service existing loans, we will not make new loans until the program upgrade is complete. We anticipate re-launching by first quarter 2014.

Borrowers who currently have a Pal Loan with an outstanding balance are required to keep making payments until their loans are paid off.

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One Pac's Pal loan is a benefit that Bay Area employers can offer to their employees to help them get through a financial emergency. The loan provides an easy alternative to employer paycheck advances and a manageable alternative to expensive financial products like payday loans, pawn shops, auto title loans. These loans of $500, $750 or $1000 can help an individual get through a short term crisis, pay it back in over several months, build their credit, get financial tips and tools, and begin building some savings for future emergencies or long term goals. This is a one-year pilot loan program. 

Get the loan offered at your workplace
In order to apply for a One Pac Pal loan, your employer must be a program participant. To find out whether your employer is a One Pac Pal program participant, contact your HR department and ask them if they are participating in the One PacificCoast Bank Pal employee loan program.  Or email onepacpal@opcb.com to ask whether your employer is participating. To provide your employer with more information about the Pal program, encourage them to check out http://onepacpal.com  or contact One PacificCoast Foundation at 510.663 2253.