TrueConnect is a voluntary benefit program offered at no cost and no risk to employers. TrueConnect allows employees, without using a credit score, to apply for a small loan up to $3000 from an FDIC insured federal bank (Sunrise Banks, a CDFI and certified B Corp). Loans are repaid through automated payroll deductions spread out over a full year, to make it more affordable and manageable. While TrueConnect does not use a credit score to underwrite the loans, repayment of the loans through payroll deduction is reported to the credit agencies to help employees rebuild credit. Free financial counseling is available to all TrueConnect borrowers through a partnership with LSS Financial Choice.