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. 

Your Payday Loan Alternative

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

• Fees are one-third less than traditional payday lenders ($10 per every $100 borrowed)
• Loans are due within 45 days
• Repay your loan over two pay periods, not just one
• Apply for your first Q-Cash loan at any WSECU branch
• For subsequent loans, apply by calling 800.562.0999
• Borrow from people you know and trust
• Free financial counseling through BALANCE
• How To Apply

If you are 18 years or older and have a WSECU checking or savings account with direct deposit, you can apply for your first Q-Cash loan by providing a current pay stub, bank statement and photo ID at any local WSECU branch. Any future Q-Cash may be approved by phone or in a branch for your convenience.

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 is paid within 45 days from the date the loan is taken out and allows repayment over two pay periods.

Each Q-Cash loan for 45 days will have an annual percentage rate (APR) of 81.11%. For example, a $100 loan will be assessed a $10 fee with an APR of 81.11%.