Loan Features
Flexible borrowing for your expenses, or just extrapeace of mind.
No Credit Check
No credit score and report needed to qualify
Fast Access to Cash
Apply and be decisioned in just a couple of minutes
Get up to $2,000
Borrow between $500 and $2,000 quickly
Easy Loan Terms
Simple repayment terms of 12 months
Build Credit
Loans report to credit bureaus to help build credit
24/7 Access
Get access to cash any time, day or night
Rates
Rates
APR* as low as
Rates
QCash
25.00%
Rate
27.49 - 57.40%
APR
Payment Examples
| Amount | Term | Payment |
|---|---|---|
| $500 | 3 Months | $173.32 |
| $501-$1,000 | 6 Months | $89.75 - $179.11 |
| $1,001-$1,500 | 9 Months | $123.15- $184.54 |
| $1,501-$2,000 | 12 Months | $142.68 - $190.11 |
The payment examples in the table above are for hypothetical purposes only. The payment examples are intended for illustrative purposes only and accuracy is not guaranteed. Members 1st Credit Union and its affiliates are not tax or legal advisors. These payment examples are not intended to offer any tax, legal, financial, or investment advice and does not assure the availability of or your eligibility for any specific product offered by Members 1st Credit Union, its affiliates or any other institution, nor does this information predict or guarantee the actual results of any investment product. The terms and conditions of products offered by Members 1st Credit Union will differ and may affect your results. Please consult with qualified professionals to discuss your situation. The final APR may differ from the APR in the above results due to additional fees that may be applicable. Please contact a Members 1st Credit Union loan specialist for an accurate estimate on your personal finances.
HOW TO QUALIFY
In order to qualify for a QCash loan, members must meet the following qualifications:
Have an active direct deposit with Members 1st
Be a Members 1st member for 90 days or more
HOW TO APPLY
APPLY
Apply anytime, anywhere with your online or mobile banking account.
SUBMIT
QCash is so fast your loan is instantly assessed without a credit check.
DECISION
Approvals are funded immediately with cash accessible in your account.
DONE
That’s it! Now you can focus on more important things.
FAQS
What types of loans are eligible for the QCash loan?
Only personal accounts are eligible for this loan.
How much can I borrow with a QCash loan?
QCash loan amounts range from $500 to $2,000.
Are there limits in how I use my QCash loan?
No, there are no limits in how you choose to use your loan and can be used meet any of your financial needs such as vehicle repairs, tax relief, vacations, back-to-school expenses, and other life events.
Is there a fee for applying for a QCash loan?
Approved loans are subject to a one-time $25 application fee assessed when your loan is funded.
Can I have more than one QCash loan at a time?
No, members are allowed one QCash loan at a time until the loan is repaid.
$25.00 application fee for approved loans. The loan amount is based on the member's direct deposit amount and other factors. Not all will qualify.