Applying for your next Q-Cash loan online will be as easy as online banking. It’s simple, convenient and timely. Just log into your account the same way you would to view your checking or savings accounts. From there, click on the Q-Cash link which will be located on the left-hand side of your screen. Follow the application instructions and within seconds the funds will be deposited into your account. You will have 45 days to repay the loan from the date funds are deposited. This online service is only for repeat borrowers who have full direct deposit into their checking account or provide a current pay stub.

Your Payday Loan Alternative
If you’re facing an unplanned expense or other immediate need, Q-Cash can make your life easier. This short-term loan service helps credit union members make ends meet until their next payday - while avoiding the excessive fees of traditional payday loan services. 

Unlike traditional payday lenders, which seem intent on charging as much as they can when you need money the most, WSECU prides itself on helping you meet your financial needs with affordable rates.   

• Fees are less than other payday lenders ($12 per every $100 borrowed)
• Loans are due within 45 days
• Repay your loan over two debit dates, not just one
• Apply for your first Q-Cash loan at any WSECU branch
• For subsequent loans, apply online through Online Banking, or call 800.562.0999
• Borrow from people you know and trust
• Receive free financial counseling through BALANCE

How to Apply
If you are 18 years or older you can apply for your first Q-Cash loan by providing any of the following:

• A current paystub if you have a WSECU checking account without direct deposit
• A WSECU savings account with full direct deposit
• Full direct deposit into your WSECU checking or savings account

First time borrowers are required to apply in person at any WSECU branch. Future Q-Cash loans may be requested online, by phone, or at a branch.

Loans are offered from $50 to $700, and funds are automatically deposited into your checking account and can be easily accessed by ATM or with a teller. The loan needs to be paid within 45 days from the date the loan is taken out and allows repayment over two debit dates.

Each Q-Cash loan for 45 days will have an annual percentage rate (APR) of 97.33%. For example, a $100 loan will be assessed a $12 fee with an APR of 97.33%.