- Natural disasters (fire, flood, hurricane)
- Domestic violence situations requiring immediate safe housing
- Other immediate housing needs (excluding food and furnishings)
- Rent or mortgage payments
- Temporary lodging due to natural disaster
- Other immediate housing-related needs (not including food or furniture)
- Proof of the event causing financial hardship
- State-issued ID
- Most recent SF-50 or DA Form 3434
- Most recent LES
- Latest bank statements
- List of current loans/lenders and balances
- List of financial institutions approached for assistance
- Spouse’s most recent pay stub (if applicable)
- Proof of automatic payroll deduction setup
- The Assistant Fund Manager conducts the initial review.
- The Fund Manager conducts a final quality control review and provides a formal recommendation.
- The Garrison Commander provides the final approval or denial.
- The Financial Manager, Financial Leader, and CPAC Supervisor support the process.
1. What is the purpose of the Civilian Loan Program?
The program provides short-term, interest-free financial assistance to eligible Fort Lee DoW civilians and NAF employees experiencing a catastrophic emergency that creates an immediate housing need.
2. Who is eligible to apply?
Full-time civilian employees, including those in probationary status, are eligible. Seasonal and intermittent employees are not eligible.
3. What is the maximum loan amount?
Eligible employees may receive an interest-free loan of up to $1,500.
4. What types of emergencies qualify for the loan?
Approved hardships include:
5. What expenses can the loan cover?
The loan may be used for:
6. How are loan funds disbursed?
Funds are issued by check only. The check is made payable directly to the creditor and given to the employee for delivery.
7. How long do I have to repay the loan?
The loan must be repaid within one year.
8. How are repayments made?
Repayments are made through automatic payroll deduction. Employees must set up the allotment in MyPay and provide proof of setup.
9. How much will my monthly payment be?
Monthly payments are calculated as: Loan amount ÷ 11 months (22 pay periods).
10. How many times can I receive a loan?
Employees may receive one loan every two years.
11. What documentation is required with the application?
Applicants must submit:
12. How long does it take to process the loan?
Once a complete application and all required documents are submitted, the CWF team will process the request within 3-5 business days due to the command review process.
13. What happens if I leave federal employment before the loan is repaid?
You must immediately repay the remaining balance by cash or check. If not paid, CPAC will attempt to recover the debt from final wages or lump-sum leave. If recovery is not possible, the CWF Council may write off the loan with CG approval.
14. Who reviews and approves the loan?
The review and approval process is structured as follows:
15. When does the program take effect?
The program becomes effective June 2026, following CWF Council approval and budget allocation.
16. Does the Civilian Loan Program pay for food?
No. The program does not cover food expenses. Loan funds may only be used for approved housing-related needs, such as rent, mortgage payments, or temporary lodging due to a qualifying emergency. Food and furnishings are specifically excluded from allowable expenses. However, for Food assistance contact the Fort Lee Food Pantry!
