Q-Cash is designed to provide short-term loans to credit union members who need small amounts of cash because of an unplanned expense or to make ends meet until their next payday.

We've learned that some credit union members turn to high-fee payday loan services occasionally. Q-Cash offers a better, more flexible alternative. Traditional payday lenders are very expensive, and they rely on rollover repeat business that is not in the best interest of the borrower.

We are committed to meeting this member need for occasional access to quick cash, but we do it differently than traditional payday lenders.

• Q-Cash loans save you money. Our short-term loan fees are lower than traditional payday lenders.
• Access to free financial counseling. For those who want assistance, we refer borrowers to BALANCE*, a consumer counseling program that can help members move toward toward greater financial stability.
• WSECU Q-Cash loans are due within 60 days, significantly longer than traditional payday lenders.
• Applying is easy and takes only minutes for approval.

Q-Cash provides a reasonable alternative to bounced checks, late fees and credit card cash advances. Loan transactions occur in credit union branches, with employees you know and trust.

* To qualify for BALANCE assistance, you must be a member of a partnering credit union.