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FDIC-Insured FDIC-Insured - Backed by the full faith and credit of the U.S. Government.

Mindful Coverage™ Loans for when
life happens

Open Thrivent Money account

Additional terms, conditions and subscription apply. This product is not available in Iowa or Colorado.

Mindful Coverage offers short-term loans designed to fit within your budget. Cover surprise expenses while avoiding a cycle of unmanageable debt. Available with your Thrivent Money™ account.

$100 – $2,500 in total, based on your account activity.
Up to 3 loans at once
$10/month to access
No interest or credit check

We’ve got loans that keep you covered

Cover surprise expenses with some quick cash. Subscribe through your Thrivent Money account to access up to three loans at a time, and pay them back over 4 months.
  • Emergency expenses and urgent costs
  • Help paying for large or unexpected purchases
  • Quick cash for medical, car and home repairs
  • Help paying bills and avoiding late fees
  • Short term financial support and budget flexibility
Expenses are increasing this month. $350 loan approved.

Take the unexpected in stride

This is responsible borrowing for when you need cash fast. Mindful Coverage analyzes your deposits and spending habits in your Thrivent Money Spend account to set a coverage limit designed to fit your budget.

Track your loan payments easily

Picture this: Actual clarity around your finances. Track your limit, your active loans, check future payments, and request short term loans in the mobile app.

Download the Thrivent Bank Mobile App

Download the Thrivent Bank Mobile App

Unlock up to $2,500
of coverage

Get started with $100 available immediately when you make a deposit in your Thrivent Money Spend account and subscribe to Mindful Coverage. Depending on how you use your account, you could qualify for up to $2,500 over time.

No interest
No interest
No credit check
No credit check
No long-term commitment
No long-term commitment

How Mindful
Coverage works

01
Subscribe for $10
02
Deposit and spend your everyday income with a Thrivent Money account
03
Check your available Mindful Coverage limit in the mobile app
04
Get covered today and pay it back over 4 months

Frequently asked questions

Use it for unexpected expenses or a way to spread out big purchases. It’s here to give you room to breathe. And you’ll see exactly how your payments are scheduled in the app, at any time.
Your personal Mindful Coverage limit is based on your account activity, starting with a limit of $100 and may increase up to $2,500 based on your deposit and spending history in your Thrivent Money Spend account. Your Mindful Coverage limit is recalculated up or down as your account activity changes.
Yes. Mindful Coverage is a subscription-based service that allows you to borrow money when you need it. Each time you take out a Mindful Coverage loan it must be paid back. You set the pace – each loan will be scheduled with four monthly payments, but you can pay in advance at any time with no penalty.
Your Mindful Coverage limit is based only on your Thrivent Money Spend account activity. Your credit score is not checked to determine your coverage limit.

Have a question that’s not answered here? We’re here to help.

Get in touch

Your journey
starts now

Download on the App Store
Get it on Google Play

Disclosure

Mindful Coverage is a subscription‑based service available to eligible Thrivent Money account holders that provides subscribers access to short‑term, interest-free installment loans totaling up to each subscriber’s borrowing limit (“Limit”). When you subscribe, you immediately gain access to a $100 Limit. Thrivent Bank will continuously evaluate your Thrivent Money Spend account activity to determine the Limit your activity demonstrates you can comfortably repay.  Your Limit may increase ($2,500 maximum) or decrease ($100 minimum) at any time and from time to time as your activity changes or we identify trends in your income and spending. You may access up to three (3) loans at a time, provided you stay within your Limit. A $50 minimum loan amount applies. You repay each loan in four equal monthly payments from your Thrivent Money Spend account, though you may prepay your loan at any time without penalty. A $10 monthly subscription fee is automatically deducted from your Thrivent Money Spend account at the time you subscribe and every thirty (30) days thereafter. You may terminate your subscription any time you don’t have any Mindful Coverage loans outstanding. Mindful Coverage is not a revolving line of credit and does not automatically cover overdrafts. Additional terms, conditions, and subscription requirements apply. Not available in Iowa or Colorado.

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Leaving Thrivent Bank

You are now leaving the website of Thrivent Bank. Insurance, securities, investment advisory and trust and investment management accounts and services offered by Thrivent, the marketing name for Thrivent Financial for Lutherans, or its affiliates are not deposits or obligations of Thrivent Bank, are not guaranteed by Thrivent Bank, are not insured by the FDIC, and involve investment risk, including possible loss of the principal amount invested.

Any data or personal information collected by websites other than Thrivent Bank is not covered by Thrivent Bank’s privacy policy. We recommend you read the privacy policies of those sites as they may be different from Thrivent Bank’s policy.

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