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Q-Cash: The Payday Loan Alternative

Now featuring a lower rate and longer term!

If you're a bit short on cash and payday is a little too far away, WSECU has the perfect alternative to high-rate, high-fee payday loans: Q-Cash.

In addition to borrowing from the financial institution that you know and trust, you'll also benefit from our commitment to helping our members with their financial needs. With Q-Cash, you'll have the short-term loan you need without the exorbitant rates and fees typically charged by traditional payday lenders. And, unlike payday loans, you are not restricted to a certain number of Q-Cash loan requests.  

Q-Cash features:

  • A new lower rate
  • A new longer term of 60 days
  • Low fees ($12 per $100 borrowed)
  • Borrow between $50 to $700 per request
  • Repayment in one or two installments
  • Free financial fitness assistance through BALANCE

How much can you save? Here's an example, based on a $500 loan

  APR* Term Fee
Q-Cash 73% (was 97.33%) 60 days (was 45) $60
Traditional Payday Loan (Ex. 1) 391% 14 days $75
Traditional Payday Loan (Ex. 2) 121.67% 45 days $75

Applying is Easy!

First-time Q-Cash Request:
Stop by any WSECU branch to apply in person. We ask that you have one of the following:

  • Direct Deposit
  • A current paystub

Subsequent Q-Cash Requests:

  • Apply 24/7 through online banking (Don't have online banking? Contact us today to sign up!)
  • You can also visit your local branch or give us call
  • Upon approval, the funds will be deposited immediately into your account

Here's more good news: Q-Cash loans are not affected by recent regulatory changes imposed on payday lenders. This means WSECU can continue to provide Q-Cash loans in the most affordable, beneficial way to you. It's business as usual...the WSECU way!

*Annual Percentage Rate

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