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Emergency Financial Relief

Cover a crisis

Special loans for handling emergencies—with zero interest for the first 90 days.

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  • Immediate cash

    Life is unpredictable, but we’re here to help. We offer loans up to $5,000 for those dealing with emergency situations*, including natural disasters and mass lay-offs. You don’t have to handle the stress on your own. Come to us instead.

    • 0% APR** for the first 90 days
    • Loan amounts up to $5,000
    • Funds available within 1 business day
    • Loan is converted to a Personal Loan after 90 days


    “I finally received my last paycheck from the government shutdown and paid back my $5,000 loan from SkyOne. Thanks for helping me pay my credit cards bills so I wouldn’t incur any interest fees during the shutdown! Love you guys!”

    – Jason S., Member Since 2011

    Share your story

How to apply

Give us a call or fill out our simple Emergency Financial Relief application. Select "Crisis Copilot Relief" as the purpose for your loan.

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Questions? Talk to an expert. 800.421.7111


*Eligibility: A) SkyOne membership. 1) You must be a current SkyOne member—if you’re currently not a member, you have 90 days to join SkyOne before your membership and/or Crisis Co-Pilot program eligibility expires, should your employment with the affected company be terminated as a result of an eligible crisis; 2) your SkyOne account must be in good standing: no delinquent or charged off loans or no charged off share accounts, and share balances are positive; B) Employer related crises: 1) You work for an air transportation company; 2) your employer has had a mass lay-off, temporary or permanent shut down of business, union-mandated strike, or work furlough (reduction in overtime pay does not qualify); 3) your employer’s events are well-documented in the media, and/or confirmed by your employer in the form of an official notification; 4) you must provide a copy of your most recent paycheck as your proof of employment. Your eligibility begins on the first day of the crisis as documented by media coverage or official notification from your employer. C) Natural disasters: You must reside in an area that has been declared a state of emergency by the Federal Emergency Management Agency (FEMA). Your eligibility begins on the date a state of emergency was declared and ends 90 days from the date a state of emergency has been declared.

Overdraft Privilege: By taking part in the Emergency Financial Relief program, if you have Overdraft Privilege protection of more than $500, the coverage amount will be reduced to $500 until the program ends as stated in the Eligibility section.

^Personal Loan: The loan will not accrue any interest for the first 90 days, but after 90 days, the loan will begin to accrue interest at the contract APR. Limit one loan per member, up to $5,000 per loan.

1 APR: Annual Percentage Rate. Published rates are subject to change anytime. Rates, terms and loan amounts are based on your creditworthiness; all loans are subject to approval. The lowest APR offered is the lowest rate possible for qualified borrowers. The current lowest possible APR is 9.49% APR*; this APR includes a 0.25% automatic payment (Autopay) rate discount. If you have requested that Autopay be setup from a SkyOne share account at the time of loan funding, you are eligible to receive the rate discount. If Autopay is either not requested by you at funding or cancelled at any time in the future, you will receive the disclosed contract APR beginning the first month after you discontinue Autopay; the contract APR will then be charged to any remaining unpaid balance. The loan term is up to 24 months for loan