The C.A.R.E. Personal Line of Credit (PLOC), which replaced the former PAL program, is a line of credit available to all members who apply and qualify under the emergency criteria of a declared government shutdown. The C.A.R.E. Personal Line of Credit is designed to provide temporary financial relief and is available to members who are directly impacted by the applicable emergency.

If you don’t already have a C.A.R.E. loan, you’ll need to apply. Please note that submitting an application will include a hard credit pull.

Members may apply for the C.A.R.E. PLOC at any time. The program will be activated once Cabrillo confirms a government shutdown. Funds will be made available by the next scheduled government payroll deposit, and members can access funds through digital banking or at any branch. No activation is required, as Cabrillo monitors events and will activate C.A.R.E. automatically.

Members can advance any amount within their approved limit and have six months to repay. The first 60 days from activation date are interest-free. Payments begin after 90 days and are made in four equal installments, unless the balance is paid earlier to avoid interest.

The maximum C.A.R.E. PLOC limit is $10,000, and our underwriting team will determine your approved amount. If you’d like to request a higher limit than what you’re currently approved for, a new application will need to be submitted.

The C.A.R.E. PLOC remains active until the government is funded for the fiscal year. It is a single line of credit and will be deactivated once funding resumes, with no additional advances allowed.

There’s no need to reapply, as the PLOC will activate again if another government shutdown occurs. Please note that if there is an existing balance, members will only be able to advance funds from the available balance.

The C.A.R.E. PLOC is available only to the primary account holder. Joint members must apply separately under their own account if they qualify.

The loan remains valid for the life of your membership; however, it will only be active during government shutdowns.

The C.A.R.E. PLOC offers a longer interest-free period than the former PAL program, with interest beginning to accrue after day 60 from the advance of funds. Under the PAL program, interest began accruing the day after the payroll payment was taken out if the balance was not paid in full.

The PAL program was originally used to assist specific groups impacted by a government budgetary shutdown. Cabrillo identified the need for a more robust program that would be available to all members who may be experiencing financial hardship.