⚔️ Active Duty Exclusive

Military Loyalty
Advantage (MLA)

Designed for those who serve. Commit through DFAS allotment, earn FloorPlan Rewards points, and build a protected benefit fund that pays when it matters most.

Enroll Now — It's Free to Apply
$6,500
Starting benefit cap
6 mo
Coverage window
$50/mo
Minimum contribution
+Rewards
Points earned on every dollar

Eligibility Requirements

MLA is available to active duty service members only.

🎖️
Active Duty Only
You must be currently serving on active duty status at time of enrollment.
📅
Minimum 1 Year Remaining
At least 12 months must remain before your EOS/EAS date at time of enrollment.
💰
DFAS Allotment
Contributions are made via a single DFAS military pay allotment — no separate payments needed.
🏠
Home of Record
Your BAH payout rate is determined from your DD-214 home of record at separation — not self-reported.

Benefit Tiers

Choose your monthly contribution. Higher contributions = higher benefit caps and greater protection.

Monthly Contribution DFAS Allotment Total 6-Month Benefit Cap Cap Increase
$50/month $59.99 $6,500 Base
$100/month $109.99 $7,475 +15%
$150/month $159.99 $8,450 +30%
$200/month $209.99 $11,250 +73%

* DFAS allotment total = $9.99 FloorPlan Rewards subscription + your chosen contribution. FloorPlan splits internally. Reenlistment stacks an additional 6-month coverage window for each completed 4-year term.

📊 Benefit Projection Calculator
Select your monthly contribution to see your projected benefit.
$59.99
Monthly DFAS Allotment
$6,500
6-Month Benefit Cap
$300
6-Month Total Contributed
BAH payout rate determined by DD-214 home of record at separation — not self-reported during enrollment. High BAH areas burn through your cap faster; low BAH areas stretch it further.

How to Set Up Your DFAS Allotment

Step-by-step guide to set up your allotment through myPay. This is not an automatic enrollment — you must set it up yourself.

1
Log into myPay
Visit mypay.dfas.mil and log in with your CAC or username/password. Ensure your account has no holds or pending actions.
2
Navigate to Allotments
From the main menu, select "Allotments" (under the Pay section). You will see your current allotments listed and options to add a new one.
3
Start a New Allotment
Click "Add Allotment" and select "Discretionary" type. This is the standard type for personal financial commitments.
4
Enter Your Allotment Details
Enter the following details exactly:

Financial Institution ABA Routing Number: Provided in your enrollment confirmation email
Account Number: Your unique MLA member account number (provided after enrollment)
Amount: Your total monthly allotment (contribution + $9.99 subscription)
⚠️ Do not submit the allotment until you have received your enrollment confirmation email with your unique account details.
5
Set Start Date
Set the allotment to begin on the 1st of the following month to ensure the first payment aligns with your coverage window start date.
6
Confirm and Save
Review all details carefully and submit. DFAS will process the change within 3–5 business days. Your MLA coverage window activates upon receipt of the first allotment payment.

Discharge & Separation Rules

Benefit payouts depend on the type and circumstances of your discharge.

✅ Honorable Discharge (EOS Only)
Full benefits unlock based on your contribution tier. Honorable discharge is only possible at the end of a completed enlistment — early separation is by definition not honorable.
⚠️ General Discharge (Under Honorable Conditions)
1 month of coverage only. Contributed funds remain locked until your original EAS date, then returned to you.
❌ OTH / BCD / Dishonorable
Complete forfeiture of all benefits. Funds remain in the pool until your original EAS date — they are NOT returned immediately or ever.
🔒 Early Release (Any Type)
Funds locked until your original EAS date regardless of discharge type. No exceptions for early release circumstances.

Early Withdrawal Policy

Same core policy as regular FloorPlan Rewards — with military-specific additions.

● 24-hour grace period: Full refund of contributions if withdrawn within 24 hours of commitment lock. No questions asked.
● Voluntary early withdrawal penalty: Prorated based on time remaining. Penalty % = percentage of commitment time NOT completed. Example: 62% of commitment completed = 38% of funds forfeited.
● $9.99/month subscription fee: NEVER refundable under any circumstance, including early withdrawal or discharge.
● Reenlistment stacking: Each completed 4-year term adds a new 6-month coverage window with its own independent cap. Windows do not merge.
Choose Your Path
Steady vs. Accelerator — Pick Your Track

Both tracks earn FloorPlan Rewards points. The right choice depends on your service timeline and financial goals.

Steady Track
Flat rate, zero surprises
Steady
Monthly contribution $50 / mo
6-month benefit cap $6,500
Crossover window 30 days
Early withdrawal penalty Prorated % of time remaining
Projected points at each tier
TierMonthlyAnnual
Bronze3003,600
Silver3754,500
Gold4505,400
Platinum5256,300
  • Base 1.0× tier multiplier on all contributions
  • Fixed contribution — never increases mid-term
  • Track switch available within 30 days of enrollment
  • Subscription fee (~$10/mo) never refundable
Early withdrawal: prorated penalty based on % of commitment term not completed. 24-hour grace period applies.
Accelerator Track
Back-loaded growth schedule
Accelerator
Starting contribution $75 / mo
Benefit multiplier Up to 1.75× base
Crossover window 30 days
Early withdrawal penalty Prorated % of time remaining
Projected points — $75/mo starting tier
TierMonthlyAnnual
Bronze3754,500
Silver4695,625
Gold5626,750
Platinum6567,875
Accelerator schedule ($/mo by year)
YearAmountCap Est.
Yr 1$75$7,100
Yr 2$100$8,100
Yr 3$150$10,600
Yr 4$200$13,100
Yr 5$250$18,000
  • Contribution ramps up annually — Year 1 starts at $75/mo
  • Benefit cap grows with contribution tier
  • 5-year term projects up to $18,000 benefit cap
  • Switch to Steady within 30 days at no charge
Early withdrawal: same prorated structure as Steady. Monthly amounts increase on anniversary — plan accordingly.

Need help deciding? Both tracks come with a 30-day crossover window — you can switch once, at no charge, before your track locks.

Apply for MLA Enrollment

Complete your application below. Enrollment is subject to eligibility verification. You will receive DFAS allotment details by email upon approval.

🪖 Military Verification
Complete these fields to verify your eligibility. Flagged for admin review before activation.
Your BAH rate based on DD-214 home of record at separation — not this ZIP.
Must be at least 1 year from today.
Steady Track
$50/mo
✓ Fixed $50/month
✓ $6,500 benefit cap
✓ 30-day crossover window
✓ Predictable, no surprises
✓ Selected
Accelerator Track
$75–250/mo
✓ Back-loaded schedule (yr 1–5)
✓ Higher benefit multiplier
✓ 30-day crossover window
✓ Projected higher payout
Select this track

💳 Your Monthly DFAS Allotment Breakdown

FloorPlan Rewards subscription $9.99
MLA contribution ($50/month — Steady Track) $50.00
Total monthly DFAS allotment $59.99
Find your member ID in your member portal.
📋 MLA Enrollment Agreement
By enrolling in Military Loyalty Advantage (MLA), I confirm that:

1. I am currently serving on active duty with a minimum of 1 year remaining before my EOS/EAS date.

2. I have selected my enrollment track (Steady or Accelerator) and understand that I may switch tracks within the first 30 days of enrollment. After 30 days, my track is locked for the commitment term.

3. I understand that benefit payouts are based on my DD-214 home of record at separation — not my self-reported ZIP code during enrollment.

4. I understand the discharge rules: full benefits upon honorable EOS discharge, 1 month coverage for general discharge with funds locked until original EAS, and complete forfeiture for OTH/BCD/dishonorable discharge.

5. I understand early withdrawal penalties apply on a prorated basis and that my $9.99/month subscription fee is never refundable.

6. NON-TRANSFERABILITY: MLA benefits are strictly personal and non-transferable. MLA benefits CANNOT be divided, assigned, or transferred to a spouse, former spouse, beneficiary, or any other party in a divorce, legal separation, court order, or any other legal proceeding. Any attempt to assign or transfer these benefits is void and unenforceable.

7. Reenlistment can stack additional 6-month coverage windows, each with its own independent benefit cap, as verified by admin.