I need an emergency loan. What is the process?

The Financial Aid and Scholarships Office offers short-term emergency loans to graduate and undergraduate students. These interest-free loans are designed to help students meet unanticipated expenses directly related to the cost of education.

Obtain a short-term emergency loan in three easy steps: 

  1. Apply via CalCentral. Use this step-by-step guide to get started.
  2. Sign Promissory Note
  3. Pick up check at Cal Student Central or funds will be disbursed to your account in CalCentral

Please remember: 

  • A registration hold may prevent your ability to obtain an emergency loan. 
  • An existing balance from previous emergency loan may prevent your ability to obtain a new emergency loan. 
  • You have 60 days to repay an emergency loan before late fees and holds are placed on your account. 
  • Sign up for direct deposit, also known as Electronic Funds Transfer (EFT), to direct deposit funds. Emergency loans paid via EFT may take 3-5 business days to process. 


Visit the Financial Aid & Scholarships website here for loan availability dates.



  • Loans are interest-free and are due in approximately 60 days.
  • Your emergency loan and the application fee (if applicable) are billed through your account in CalCentral in two business days.

Payment options: 

  • By Mail: You can mail your check to:
    University of California, Berkeley
    Billing and Payment Services
    140 University Hall
    Berkeley, CA 94720-1111
    Please make the check payable to "UC Regents" and include your student ID number (SID) and your emergency loan check number or "to pay emergency loan" in the memo area of the check.


Important information for financial aid recipients:
If you are receiving financial aid, please be aware that once your financial aid posts to your account in CalCentral, it may pay off the emergency loan and the application fee before the due date. There is no guarantee that this will happen, however, and financial aid may not pay any of it. It is your responsibility to monitor your account activity in CalCentral.


More information: 
For more information about emergency loans, please see the Financial Aid and Scholarships Office website.