The Payday Cash Advance Loan is provided by Kinecta Federal Credit Union available at Nix, subject to approval and verification of the information provided. *Minimum $5 share savings account
deposit required (paid by Kinecta for new Cash Advance Loan borrowers). Membership requirements apply. If necessary, $10 Consumers’ Cooperative Society of Santa Monica, Inc. fee will be covered by Kinecta Federal Credit Union (equivalent to free membership). Continued membership in the Santa Monica Co-Op will be subject to an annual membership renewal fee of $10. However, no annual fee is required to maintain membership in Kinecta. Deposits at Kinecta Federal Credit Union are Federally Insured by NCUA. **Qualified
borrowers can receive up to $400 (minimum loan amount is $200). ***$34.25 example is based on a $400 loan for 14 days, including $31.95 application fee and $2.30 interest
(15% Annual Percentage Rate). Application fee is due at the time member applies for the loan and interest
must be paid in advance.