Life Event Loans from QCash

When Life Happens, QCash is There For Your Members

QCash Life Event Loans can provide the funds your members need, day or night. Just 6 clicks in 60 seconds, the funds are immediately deposited into their account. No credit check and nothing more than a computer or smartphone to complete the super-simple process.

Let us help you fulfill your mission of financial inclusion with our Life Event,  Specialty, and Emergency Response Loan programs.

Instant for Everyone

Six Clicks. Sixty Seconds. No Credit Score Required.

Our software-as-a-service application uses a programming interface to integrate with your core processor, online banking and mobile banking platforms. That means the whole process is easy for you (taking as little as 8 weeks to implement) and seamless for your members. They just tap, review, consent and go.

Your members will:

  • Get the help they need, when they need it
  • Get quick cash for unexpected expenses
  • Build trust with your credit union
  • Potentially improve their credit

Fulfill Your Mission of Financial Inclusion

Our Life Event Loan platform uses our proven, proprietary decision engine by examining the member relationship through behavior data rather than using traditional credit scoring systems. This allows you to say “yes” more often and serve more members.

Help Your Members Build Good Credit

QCash Life Event Loans attract younger members who have little-to-no-credit. And in turn, when you report the loan to the credit bureaus, you will help them build good credit.

Say “Yes” More Often

Many members might not qualify for an unsecured loan using traditional credit scoring. Our patented algorithm analyzes the member relationship with the credit union, so more members can be approved.

Let the App Do All the Work

The QCash platform talks directly to your core processor to complete every step of the loan process from start to finish. It requires zero intervention from your loan origination staff.

We provide a dedicated team to walk you through your small dollar lending journey.

Implementation Team

Helps customize your small dollar loan program.

Client Success Team

Works with you to ensure the success of your program and share best practices.

Marketing Resource Center and Credit Union Creates

Helps you launch and promote QCash loans to your members.

Product Focus Group

QCash clients meet to discuss the program and provide input.

QCash has been a great option for our members with many success stories! The client success team are great ambassadors for QCash and always responsive and professional.

Shannon RedmondUS Alliance Financial

QCash Has Generated Hundreds of Thousands of Loans

Our digital small dollar lending platform is a software-as-a-service solution that connects securely through the Microsoft Azure Cloud to your core banking platform. This allows us to retrieve member relationships, behavioral attributes and all information required for instant underwriting, decision-making and funding based on membership standing and deposit history.

When a member applies through their mobile device, online banking, contact center, branch or other service channel, a decision is made in under 60 seconds with instant funding to their account.

Member Benefits

  • Contactless/frictionless
  • Available 24/7
  • Immediate funding upon approval
  • No credit score required
  • Builds good credit

Credit Union Benefits

  • Supports the credit union’s mission
  • Facilitates financial inclusion
  • Fully customizable loans
  • Relational underwriting
  • CDFI approved
  • No loan origination staff needed

Expand Your Mission Within Your Community

Learn how you can help your members get affordable, instant, small dollar loans for those life events, right now.