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One Pac's Pal Loan- The Friendly Emergency Loan

We are grateful for the 31 employers and their employees who participated in the 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 at a later date. Check back here for updates.

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


The loan is a benefit that California, Oregon or Washington 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 and/or auto title loans. These loans of $500, $750 or $1000 can help an individual get through a short term crisis, pay it back 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.

Offer the loan to your employees

Employers can offer this program by becoming a pilot partner. There are no fees or financial obligations to an employer to participate.  For more information contact Beneficial State Bank at 888.326.2265.

Need a loan?  Ask Your Employer About This Program 

In order to apply for a One Pac's Pal Loan, your employer must be a program participant. To find out whether your employer is a One Pac's Pal Loan program participant, contact your HR department and ask them if they are participating in the Beneficial State Bank Pal Loan employee loan program. To provide your employer with more information about the loan program, encourage them to contact Beneficial State Bank at 888.326.2265.

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