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When life happens be there for your members.

Step into Their Shoes

Imagine for a minute that you are still paying off unexpected taxes and a short vacation. Prices are rising everywhere you turn. Back-to-school clothes cost more than ever. And you just blew a tire. There was already more month than money. But this?! It is too much. You can’t afford to wait on the tire, you have to get to work. Where can you turn?

Look to your credit union. With a QCash, you can have the funds you need deposited into your checking account in under 60 seconds! Day or night, get the help you need from any device. Money in under a minute — no matter your credit score.

Woman leaned over engine of a car with the hood up talking on the phone with a concerned look on her face.

Members need a financial first responder.

It Can Be You

What has your region faced? Hurricane, flood, fire, government shutdown, or health crisis? Preparation is key when facing an event like this. Your credit union can help members prepare and find safety. But preparing your home and loved ones takes cash. Evacuation costs even more.

Help your members by planning now for the next event. With QCash, you can offer them a Financial First Responder Loan with a low rate and longer term. With the flick of a switch, offer your members help when the time comes.

Together, we can advance financial access and inclusion.

Our 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.

Credit unions advance financial inclusion with Life Event Loans.

Help Members Build Good Credit

QCash Life Event Loans attract younger members who have little-to-no-credit. By reporting loan repayments to the credit bureaus, you help your members build good credit.

Credit unions advance financial inclusion with Life Event Loans.

Say “Yes” More Often

Many members do 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.

Credit unions advance financial inclusion with Life Event Loans.

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.

As a team of passionate professionals, we are committed to walking with you on your small-dollar lending journey.

Credit unions advance financial inclusion with Life Event Loans.


Helps customize your small-dollar loan program.

Credit unions advance financial inclusion with Life Event Loans.

Client Success

Ensures your success and shares best practices.

Credit unions advance financial inclusion with Life Event Loans.


Helps you launch and promote QCash loans to your members.

User 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
  • Link to funding in under 60 seconds
  • No credit score required
  • Builds good credit

Credit Union Benefits

  • Supports your mission: people helping people
  • 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.