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Loan and Debt Relief Benefits

Service members have access to some of the best loan protections and products in the country. The VA home loan program alone has helped millions of veterans and service members achieve homeownership with zero down payment and no private mortgage insurance. Beyond VA loans, the Servicemembers Civil Relief Act (SCRA) caps interest rates at 6% on pre-service debt, and branch-specific relief societies offer interest-free emergency loans. Military-focused credit unions like Navy Federal and USAA consistently offer some of the most competitive rates available to any borrower.

6% APRSCRA Interest Cap
$0VA Loan Down Payment
0% APRNMCRS Loan Interest
36% MAPRMLA Rate Cap

Good to know: Be cautious of predatory lenders near military installations. The Military Lending Act (MLA) protects you from certain high-cost loans, but not all predatory lending falls under its umbrella. Always check with your installation Financial Readiness office before taking out a loan from an unfamiliar lender.

Need Help?

Every military installation has free financial counseling available. You do not need an appointment for most services, and everything is confidential. These resources are available to active duty, Guard, Reserve, and their families.

Important: Read before using Milify

  • •Not affiliated with the U.S. Department of War, any military branch, or any government agency. Milify is an independent platform built to support the service-member community.
  • •Do not enter classified information, OPSEC-sensitive details, or PII beyond what's needed for the tools to function. Never include unit movements, mission details, deployment dates, or anything tied to operational security.
  • •Information on Milify is for general guidance only and may contain errors or be out of date. Pay rates, benefits, regulations, and policies change. Always verify with your chain of command, finance office, JAG, or the official source before acting.
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