Quick Cash: Lending for unexpected expenses
When life happens, Quick Cash helps you cover the gap with clear terms, a fast decision, and no credit check.
What is a Quick Cash loan?
Quick Cash is a small-dollar personal loan designed for members who need funds quickly for unplanned expenses—like car repairs, medical bills, or other urgent costs.
Why members use Quick Cash
- No credit check
- Clear, predictable payments over 6–12 months
- Helps you stay on track when emergencies arise
Life happens.
When cash flow is tight, Quick Cash provides a responsible alternative to high-cost options.
Quick Cash details & qualifications
The following terms apply to Quick Cash. All loans are subject to NCACU approval and program requirements.
| Item | NCACU Quick Cash |
|---|---|
| Loan range | $200–$2,000 (first-time borrowers up to $1,000) |
| Interest rate | 22.99% APR |
| Loan term | 6–12 months |
| Payback term | Monthly payments over 6–12 months (exact term based on approved amount) |
| Application fee | $25.00 (non-refundable) |
| Membership requirement | Active membership for at least 6 months, including Direct Deposit |
| Credit check? | No |
| Member’s loan history requirement | Must not be greater than 7 days past due on existing NCACU loans |
| Maximum loans at a time | 1 |
| Maximum loans in 6 months | 3 loans in a rolling 6-month period |
Note: Terms and program availability may change. This page is a summary; refer to your loan documents for complete details.
Frequently asked questions
How do I apply?
Members can apply online-
Is there a credit check?
No credit check is required for Quick Cash.
How many Quick Cash loans can I have?
Up to 2 at a time, and no more than 3 in any rolling 6-month period.
What if I’m past due?
To qualify, you must not be greater than 7 days past due on existing NCACU loans.
Already a member? Apply via Online or Mobile Banking. Not a member yet? We can help you get started.